Santander US Quarterly Financial Analysis

SBNA ASSET QUALITY CECL and macroeconomic reserves contributed to allowance increases in 2020 ANNUALIZED NET CHARGE-OFF RATIO 0.57% 0.50% 0.46% 0.45% 0.36% NPL RATIO1 0.92% 0.82% 0.75% 0.78% 0.67% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 ALLL TO TOTAL LOANS² 1.02% 0.97% 0.96% 2.19% 1.80% RESERVE COVERAGE (ALLL/NPL) 128.1% 118.3% 110.4% 281.8% 270.1% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 18 1 NPLs 2 ALLL Non accruing loans plus accruing loans 90+ days past due ("DPD"). Allowance for loan and lease losses Santander

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