Santander Financial Performance Update

SANTANDER HOLDINGS USA, INC. SHUSA is the intermediate holding company ("IHC") for Santander US entities, SEC registered and issues under the ticker symbol "SANUSA" Bo ko SHUSA Highlights ATM $147B in assets 8 major locations 15,700 employees 808 ~5M customers 4 Santander SHUSA¹ 100% Ownership SC operates in all 50 states Company location SC SBNA - Retail Bank 100% Ownership $89B Assets Products include: Commercial and industrial ("C&I") Multi-family Residential mortgage Auto and dealer floorplan financing • • SC - Auto Finance ~80% Ownership* $47B Assets Preferred auto finance provider to Stellantis Leading auto loan & lease originator & servicer #1 retail auto asset- backed securities ("ABS") issuer in 2020 in US • BSI - Private Banking 100% Ownership $7B Assets Private wealth management for HNW and UHNW clients SIS Broker Dealer 100% Ownership $3B Assets Investment banking services include: • Global markets • Global transaction banking • Global debt financing • Corporate finance • Listed under the ticker symbol "SC" on the NYSE As of March 31, 2020 1 Includes Santander Securities LLC (SSLLC), which offers personal investment & financial planning services to clients ($100MM Assets) BSI SBNA SIS Santander

View entire presentation