Santander US Quarterly Financial Analysis

CAPITAL RATIOS Modest decline in ratios 1,2 due to asset growth and regulator-approved capital actions CET1 TIER 1 LEVERAGE RATIO 15.0% 15.0% 13.7% 14.6% 13.6% 14.3% 14.4% 13.1% 12.6% 12.5% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 TIER 1 RISK-BASED CAPITAL RATIO TOTAL RISK-BASED CAPITAL RATIO 16.3% 16.2% 17.7% 17.7% 15.8% 15.7% 17.2% 17.1% 15.3% 16.7% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 17 1 Capital ratios through March 31, 2020 calculated under the U.S. Basel III framework on a transitional basis. Capital ratios starting in the first quarter of 2020 calculated under CECL transition provisions permitted by the CARES Act. 2 Our regulatory capital ratios for the period ended June 30, 2020 are preliminary, based on information available as of the date of this presentation, and subject to completion of management's final reviews and financial closing procedures. These preliminary capital ratios may differ from our actual capital ratios, which will be included in our Form 10-Q for the quarter ended June 30, 2020, which we expect to file on or about August 7, 2020. Santander

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