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Investor Presentaiton

Commercial Activities YTD Ended December 31, ($ in 000's) 2022 2021 Total Commercial Activities C&I CRE Total Commercial Activities C&I CRE Total Commercial Activities Dollar Increase/ (Decrease) Percentage Net interest income $ 311,808 $ Non-interest income 69,328 357,676 38,190 669,484 107,518 $ 291,550 $ 69,742 341,362 42,933 $ 632,912 36,572 5.8% 112,675 (5,157) -4.6% Credit losses expense/(benefit) 47,821 Total expenses 258,178 7,321 120,752 55,142 378,930 (78,402) (7,186) (85,588) 140,730 164.4% 252,769 113,474 366,243 12,687 3.5% Income/(loss) before income taxes $ 75,137 $ 267,793 $ 342,930 $ 186,925 $ 278,007 $ 464,932 $ (122,002) -26.2% Total assets 6,345,307 20,546,103 26,891,410 6,915,480 17,379,967 24,295,447 2,595,963 10.7% Santander 32 32
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