Santander US Quarterly Financial Analysis

BORROWED FUNDS PROFILE Public issuances consist of SHUSA unsecured debt and SC auto ABS SHUSA CONSOLIDATED ($B) SC ABS SC Amortizing SC Credit Facilities SHUSA Debt SBNA SC - BSSA SHUSA HOLDCO ($B) TLAC Eligible 15 $53.0 $50.0 2.0 9.0 5.4 9.4 11.2 6.5 3.9 9.9 9.6 18.2 Q1 2020 SBNA ($B) FHLB ■Bank Debt $9.0 0.1 17.9 Q2 2020 $5.4 8.8 $5.4 Q1 2020 Q2 2020 1 | Related party funding from SHU SA to SC is eliminated at the consolidated level $9.4 0.8 ■TLAC Ineligible $11.2 1.3 9.9 8.6 Q1 2020 Q2 2020 SC ($B) 1 ABS Amortizing ■Credit Facilities ■SHUSA ■BSSA $41.6 $44.1 2.0 5.7 7.2 6.5 3.9 9.9 9.6 18.2 17.9 Q1 2020 Q2 2020 Santander

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