Santander US Quarterly Financial Analysis

SBNA: QUARTERLY PROFITABILITY NET INTEREST INCOME ($M) PRE-TAX PRE-PROVISION INCOME ($M)1 $547 $531 $520 $508 $502 $152 $145 $62 $134 3.11% 2.97% 2.81% 2.72% 2Q19 3Q19 4Q19* 1Q20 2020 2.54% 2Q19 3Q19 4Q19 1Q20 2Q20 PRE-TAX INCOME ($M)¹ NET INCOME/(LOSS) ($M) 1 $(1,687) $105 $95 2Q19 3Q19 $(1) 4Q19* $85 $87 1Q20 2020 2Q19 3Q19 $(2) 4Q19* 1Q20 2020 $(121) $(79) 29 1 | Includes non-recurring goodwill impairment in Q2 2020 $(1,953) $(1,755) Santander

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