Quarterly Trended Statement Of Operations

Asset Quality NCO and NPL ratios continue to normalize but remain below pre-pandemic levels Santander NET CHARGE-OFF RATIO NONPERFORMING LOAN ("NPL") RATIO 1.2% 2.1% 1.2% 2.0% 1.9% 1.8% 0.8% 1.6% 0.6% 0.5% 2Q21 3Q21 4Q21 1Q22 2Q22 2Q21 3Q21 4Q21 1Q22 2Q22 ALLOWANCE COVERAGE (ACL/LHFI) RESERVE COVERAGE (ALLL/NPL) 461.4% 7.5% 7.5% 7.1% 7.1% 7.2% 380.9% 394.8% 340.5% 350.4% 2Q21 3Q21 4Q21 1Q22 2Q22 2Q21 3Q21 4Q21 1Q22 2Q22 16

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