Santander US Quarterly Financial Analysis

SC AUTO ORIGINATIONS (MONTHLY) Core Retail Auto ($ in millions) $1,200 $1,000 Chrysler Lease ($ in millions) $1,000 $800 $800 $600 $600 $400 $400 $200 $200 $0 $0 Jan Feb Mar Apr May YoY (4.1%) (14.0%) (17.0%) (43.6%) (8.4%) Jun Jan Feb 22.8% Mar Apr May YoY 13.7% 16.5% (18.3%) (72.8%) (63.5%) (47.7%) Jun Chrysler Capital Loans, <6402 ($ in millions) $600 Chrysler Capital Loans, ≥6402 ($ in millions) $1,400 $1,200 $500 $1,000 $400 $800 $300 $600 $200 $400 $100 $200 $0 $0 Jan Feb Mar Apr YoY (6.9%) (13.0%) (12.1%) (40.2%) (24.0%) (5.3%) May Jun Jan YOY 21.8% Feb Mar Apr 21.6% 45.0% 125.0% May 78.9% Jun 45.4% -2019 -2020 37 1 Includes nominal capital lease originations 2 Approximate FICOS Santander

View entire presentation