Santander Financial Performance Update

RATING AGENCIES SHUSA and SBNA ratings impacted by the overall ratings of Santander 19 Negative outlook Fitch Ratings (June 30, 2020) SR. DEBT RATINGS BY SANTANDER ENTITY Santander¹ A SHUSA BBB+ SBNA BBB+ Santander¹ A2 Stable outlook MOODY'S. SHUSA Baa3 (April 22, 2020) SBNA² Baa1 Santander1 A STANDARD & POOR'S Negative outlook (July 10, 2020) SHUSA BBB+ SBNA A- 1 Senior preferred rating SBNA long-term issuer rating Santander

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