Investor Presentaiton

SHUSA Q4 2022 Highlights SUMMARY 15% ATTRIBUTABLE PROFIT TO SANTANDER Down from high levels of 21% FY 2021 FINANCIAL METRICS $1.56B NET INTEREST INCOME ("NII") Up 3.8% YoY CAPITAL 13.2% COMMON EQUITY TIER 1 ("CET1") $1.75B dividends paid to Santander in Q4 TOP 10 TOTAL LOAN ORIGINATOR #1 Originator of non-prime auto' TOP 10 COMMERCIAL REAL ESTATE LENDER² With focus on multifamily housing 4.4% NET INTEREST MARGIN ("NIM") Decreased from 4.5% QoQ and 4.6% YoY 8.33% 30-89 DAYS DELINQUENT Compared to 9.75% in 4Q18 for consumer class of financing receivables $79 billion DEPOSITS Down 4% YoY 7.1% ALLOWANCE RATIO Slight increase QoQ Santander 1 From JD Power 2 Data as of Q3 2022 from S&P Capital IQ Pro

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