Santander Financial Performance Update

BALANCE SHEET OVERVIEW Goodwill and Other Intangibles, 3% Other Consumer Loans, 2% Other Assets, 4% CRE, 4% Multi-family, 5% Residential & Home Equity, 6% Cash, 8% $147B Assets 11 Auto Leases², 11% Investments, 13% 1 Includes restricted cash and loans held-for-sale 2 Operating lease 3 Federal Home Loan Bank ("FHLB") 4 Certificates of Deposit ("CDs") See Appendix for the consolidated balance sheet Auto Loans, 27% Savings, 4% Interest-bearing demand, 8% 3 Credit facilities, 2% FHLB borrowings, 1% Other CDs, 2% Liabilities, 4% Other borrowings, 10% C&I, 16% Noninterest- bearing demand, 14% $125B Liabilities Money market, 22% $22B Equity Secured structured financings, 18% Equity, 15% Santander

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