Santander US Quarterly Financial Analysis

SBNA: ASSET QUALITY (CONTINUED) Outstandings* COMMERCIAL BANKING¹ NPLs to Total Loans $15.0 $15.2 $14.6 $15.0 $14.6 CIB Net Charge-Offs $7.4 $6.9 $6.0 $6.1 $6.0 1.4% 1.3% 1.3% 0.9% 0.8% 1.2% 0.4% 0.4% 0.4% 0.6% 0.3% 0.4% 0.6% 0.7% 0.7% 0.0% 0.3% 0.4% 0.3% 0.1% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 OTHER CONSUMER² INDIRECT AUTO³ $1.5 $1.5 $1.4 $1.3 $1.2 $7.6 $6.5 $6.7 $5.3 4.8% 5.1% 5.3% 5.5% 5.7% $3.8 0.6% 0.7% 0.8% 0.9% 1.0% 1.3% 1.4% 1.6% 1.6% 1.7% 0.3% 0.3% 0.4% 0.5% 0.6% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 1 Commercial Banking = Equipment Finance & Leasing, Commercial Equipment Vehicle Finance-Strategic, Financial Institutions Coverage, International Trade Banking, Middle Market, Asset Based Lending, Institutional-NonProfit, Government Banking, Life Sciences & Technology, Professional & Business Services, Energy Finance, Mortgage Warehouse, Other Non-Core Commercial, Chrysler Auto Finance, Footprint Dealer Floorplan and Commercial Banking Not Classified Elsewhere and all other Commercial Business segments. 35 2 Other Consumer = Direct Consumer, Indirect Consumer, RV/Marine, Credit Cards, SFC, & Retail run-off 3 Indirect Auto Origination program assets through SC, full roll-out in Q2'18 Santander Dollars in billions

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