Santander US Quarterly Financial Analysis

SBNA: NON-GAAP RECONCILIATIONS (cont.) SBNA Texas Ratio ($ in Millions) Total Equity Goodwill and other intangibles Allowance for loan losses Total equity and loss allowances for Texas Ratio Nonperforming assets 90+ DPD accruing 2Q19 $13,736 3Q19 4Q19 1Q20 2Q20 $13,799 $13,681 $14,014 $12,306 (3,632) (3,635) (3,643) (3,637) (1,788) 560 536 533 999 1,249 $10,664 $10,700 $10,571 $11,376 $11,767 $ 528 $ 470 $ 433 $ 384 $ 453 6 6 6 6 Accruing troubled debt restructurings 215 212 122 112 132 Total nonperforming assets $ 749 $ 688 $ 561 $ 502 $ 591 Texas ratio 40 40 7.0% 6.4% 5.3% 4.4% 5.0% Santander

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