Santander Financial Performance Update

SHUSA: QUARTERLY TRENDED STATEMENT OF OPERATIONS ($ in Millions) Interest income Interest expense NII 1Q20 2Q20 3Q20 4Q20 1Q21 $ 2,110 $ 1,968 $ 1,991 $ 1,951 $ 1,925 (524) (429) (370) (338) (306) EA 1,586 $ 1,539 $ 1,621 $ 1,613 $ 1,619 Fees & other income Other NII Net revenue General, administrative, and other expenses Provision for credit losses Income before taxes Income tax (expense)/benefit 1,018 764 1,175 962 1,175 9 23 10 2,613 $ 2,326 $ 2,796 $ 2,575 $ 2,804 (1,583) (3,431) (1,568) (1,626) (1,548) (1,186) (977) (406) (299) (76) EA (156) $ (2,082) $ 822 $ 650 $ 1,180 33 186 53 (162) (287) Net income (123) (1,896) 875 488 893 Less: Net income attributable to NCI 4 (23) 102 102 145 Net income attributable to SHUSA (127) (1,873) 773 386 748 NIM 23 23 1Q20 2Q20 3Q20 4Q20 1Q21 5.3% 4.9% 5.3% 5.3% 5.3% Santander

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