Santander Financial Performance Update

SBNA: ASSET QUALITY (CONTINUED) Outstandings* COMMERCIAL BANKING1 NPLs to Total Loans CIB Net Charge-Offs $15.0 $7.4 $14.6 $14.1 $14.4 $14.0 $6.5 $6.4 $6.3 $6.0 0.9% 0.8% 0.9% 1.1% 1.3% 0.4% 0.6% 0.3% 0.1% 0.2% 0.7% 0.7% 0.7% 0.8% 0.6% 0.3% 0.1% 0.1% 0.1% 0.1% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 OTHER CONSUMER² $1.3 $1.2 $1.2 $1.1 $1.1 INDIRECT AUTO³ $9.4 $8.5 $7.9 $7.6 $6.7 0.9% 1.0% 0.9% 0.8% 5.5% 5.6% 5.4% 0.6% 5.3% 4.6% 0.5% 0.6% 0.6% 0.6% 0.5% 1.6% 1.7% 1.5% 1.2% 1.0% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 1 Commercial Banking = Equipment Finance & Leasing, Commercial Equipment Vehicle Finance-Strategic, Financial Institutions Coverage, International Trade Banking, Middle Market, Asset Based Lending, Institutional-NonProfit, Government Banking, Life Sciences & Technology, Professional & Business Services, Energy Finance, Mortgage Warehouse, Other Non-Core Commercial, Chrysler Auto Finance, Footprint Dealer Floorplan and Commercial Banking Not Classified Elsewhere and all other Commercial Business segments. 31 2 Other Consumer = Direct Consumer, Indirect Consumer, RV/Marine, Credit Cards, SFC, & Retail run-off 3 Indirect Auto Origination program assets through SC, full roll-out in Q2'18 Dollars in billions Santander

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