Santander US Quarterly Financial Analysis

SBNA: FUNDING - DEPOSITS 32 AVERAGE NON-MATURITY DEPOSIT BALANCES ($B) Non-Maturity Deposit Balances Avg. Interest Cost $56.7 $50.0 $50.7 $47.3 $48.1 0.77% 0.80% 0.74% 0.64% 0.28% AVERAGE TOTAL DEPOSIT BALANCE1 ($B) Total Deposits Avg. Interest Cost $62.6 $57.8 $58.4 $54.5 $55.2 0.93% 0.96% 0.89% 0.78% 0.40% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 1 Represents average quarterly balances. SBNA total deposits less the SHUSA cash deposit held at SBNA. Santander

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