Quarterly Trended Statement Of Operations

Quarterly Profitability Profitability impacted by credit performance normalization leading to increased provisions, lower leased vehicle income due to shifts in the mix of lease vehicle dispositions and the Safety Net initiative, which reduced client overdraft fees NET INTEREST INCOME ($M) PPNR ($M) $1,532 $1,534 $1,505 $1,480 $1,533 ||||| $1,222 $1,104 $995 $950 $917 2Q21 3Q21 4Q21 1Q22 2Q22 2Q21 PRE-TAX INCOME ($M) $1,539 $1,084 $903 $778 $546 3Q21 4Q21 1Q22 2Q22 NET INCOME ATTRIBUTABLE TO SHUSA 1,2 ($M) $959 $707 $616 $570 $439 2Q21 3Q21 4Q21 1Q22 2Q22 2Q21 3Q21 4Q21 1Q22 2Q22 Santander 12 Net income includes noncontrolling interest ("NCI"). See Appendix for the consolidating income statement. 11 114

View entire presentation