Santander US Quarterly Financial Analysis

RATING AGENCIES SHUSA and SBNA ratings impacted by the overall ratings of Banco Santander Fitch Ratings Negative outlook (June 30, 2020) SR. DEBT RATINGS BY SANTANDER ENTITY Banco Santander¹ A SHUSA BBB+ SBNA BBB+ Banco Santander¹ A2 MOODY'S. Stable outlook (April 22, 2020) SHUSA Baa3 SBNA² Baa1 STANDARD & POOR'S 21 1 Senior preferred rating 2 SBNA LT Issuer Rating Banco Santander¹ A Negative outlook (July 10, 2020) SHUSA BBB+ SBNA A- Santander

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