Quarterly Trended Statement Of Operations

Net Interest Margin & Interest Rate Risk Sensitivity NII increased QoQ, however, Net interest margin ("NIM") declined due to inclusion of APS and associated short term market balances SHUSA NIM 5.0% 4.8% 4.6% 4.5% 4.3% Santander INTEREST RATE RISK SENSITIVITY (Change in annual net interest income for parallel rate movements) Up 100bps 4.7% 4.7% 4.3% 3.6% 2.2% 2Q21 3Q21 4Q21 1Q22 2Q22 -1.7% -2.0% -2.6% -2.6% -3.5% 2Q21 3Q21 4Q21 1Q22 2Q22 Down 100bps 12 12

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