Investor Presentaiton

5.00% 4.00% 3.00% 2.00% 1.00% 0.00% Consumer: 30-89 Days Past Due¹ Consumer and Commercial Loan Delinquency The increase in consumer loans delinquencies is primarily due to normal seasonality experienced in the RIC and auto loan portfolio as well as pressures from the economic factors. 16.00% 14.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 Residential Mortgage ...... Home Equity Personal Unsecured Consumer: 90+ Days Past Due¹ 2Q20 3Q20 1020 1021 RIC & Auto Loans Other Consumer 2 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 Personal Unsecured Santander 4018 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 Residential Mortgage ... Home Equity Other Consumer 3 RIC² & Auto Loans 1 Based on a percentage of financing receivables for their respective loan business 2 Other Consumer primarily includes recreational vehicle ("RV") and marine loan 3 Other Commercial includes commercial equipment vehicle financing leveraged leases and loans 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3022 4Q22 4Q22 1.20% 1.00% 0.80% 0.60% 0.40% 0.20% 0.00% 4Q18 1Q19 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 4Q18 1Q19 2Q19 Commercial: 30-89 Days Past Due¹ 3Q19 4Q19 1Q20 2Q20 CRE C&I Multifamily Other Commercial ³ Commercial: 90+ Days Past Due¹ 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 2Q19 ......CRE 3Q19 4Q19 1Q20 2Q20 C&I 3Q20 4Q20 Multifamily 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 Other Commercial 4 15

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