Santander US Quarterly Financial Analysis

SBNA: QUARTERLY AVERAGE BALANCE SHEET 2Q20 1Q20 QoQ Change 2Q19 Average Balance Yield/ Average Yield/ Average Yield/ Average Yield/ Rate Balance Rate Balance Rate Balance Rate ($ in Millions) Assets Deposits and investments Loans $ 21,766 1.34% $ 19,703 57,233 3.62% 55,011 2.05% $ 2,063 4.10% (0.71%)$ 15,997 2.40% 2,222 (0.48%) 54,330 4.59% Allowance for loan losses (1,035) (886) (149) (560) Other assets 11,080 10,311 769 9,322 Total assets $ 89,044 2.66% $ 84,139 3.16% 4,905 (0.50%) $ 79,089 3.64% Liabilities and stockholder's equity Interest-bearing demand deposits 9,844 0.03% $ 8,817 0.48% 1,027 (0.45%) $ 8,791 0.71% Noninterest-bearing demand deposits 14,930 12,206 2,724 12,514 Savings 4,215 0.04% 3,777 0.07% 438 (0.03%) 3,885 0.06% Money market 30,254 0.51% 28,648 1.02% 1,606 (0.51%) 25,576 1.24% Certificates of deposit 5,967 1.59% 7,723 1.74% (1,756) (0.15%) 7,213 2.00% Borrowed funds 7,205 1.41% 6,910 2.26% 295 (0.85%) 5,317 3.07% Other liabilities 2,825 2,385 440 2,101 Equity 13,807 13,673 134 13,692 Total liabilities and stockholder's equity $ 89,047 0.40% $ 84,139 0.74% $ 4,908 (0.34%) $ 79,089 0.87% Net interest margin 2.54% 2.72% (0.18%) 3.11% 31 Santander

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