Santander US Quarterly Financial Analysis

SC DELINQUENCY AND LOSS (MONTHLY) Gross Charge-off Ratio (%) Recovery Rates (%) 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2019 22.3 19.1 17.0 16.1 16.1 15.8 17.9 18.4 18.5 18.3 17.1 16.1 2020 17.2 15.6 13.7 12.9 12.6 8.1 75.0% 65.0% 55.0% 45.0% 35.0% 25.0% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2019 49.0 54.6 66.1 62.5 62.4 56.0 55.2 59.2 53.2 52.9 57.5 46.2 2020 46.0 53.0 52.1 32.1 49.1 62.1 Net Charge-off Ratio (%) 15.0% 12.0% 9.0% 6.0% 3.0% 0.0% Jan Feb 2019 11.3 8.7 99 Mar Apr May Jun Jul Aug Sep 5.8 6.1 6.1 7.0 8.0 7.5 8.6 6.4 3.1 38 2020 9.3 7.3 6.6 8.7 Oct Nov Dec 8.6 7.3 8.7 -2019 -2020 Santander

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