Investor Presentaiton

SHUSA Overview Strategic focus 号 CIB FY 2022 Income Assets before tax ($BN) ($BN) Consumer Market-leading full spectrum auto lender and consumer finance franchise, funded by attractive consumer deposits $76 $1.7 Commercial Top 10 CRE and multifamily lender $27 $0.3 CIB Global hub for capital markets and investment banking $30 ($0.1) Wealth Management Leading brand in LatAm higher net worth, leveraging connectivity with Santander $48 $0.2 Santander 1 ❘Client assets and liabilities represents customer deposits and securities and loans and letters of credit.

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