Santander US Quarterly Financial Analysis

33 33 SBNA: ASSET QUALITY NPLs CRITICIZED BALANCES1 Criticized Balances -Criticized Ratio $2,760 $508 $453 $443 $416 $2,230 $2,093 $370 $2,065 $2,069 --13% 4.8% 4.0% 3.8% 3.7% 3.7% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 DELINQUENCY² 0.75% 0.60% 0.54% 0.55% 0.47% 2Q19 3Q19 4Q19 1Q20 2Q20 1 Criticized loans that are categorized as special mention, substandard, doubtful, or loss 2 Delinquency = accruing loans 30-89 DPD plus accruing loans 90+ DPD 3 See page 37 for non-GAAP measurement reconciliation of Texas Ratio TEXAS RATIO³ 7.0% 6.4% 5.3% 5.0% 4.4% 2Q19 3Q19 4Q19 1Q20 2Q20 Santander

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