Quarterly Trended Statement Of Operations

Rating Agencies SHUSA and SBNA ratings outlook remained "stable" SR. DEBT RATINGS BY SANTANDER ENTITY Fitch Ratings Stable outlook (June 14, 2022) Santander1 A/A- SHUSA BBB+ SBNA BBB+ Santander¹ A2/Baa1 MOODY'S. Stable outlook SHUSA Baa3 (June 25, 2021) SBNA² Baa1 Santander1 A+/A- STANDARD Stable outlook SHUSA BBB+ & POOR'S (March 18, 2022) SBNA A- Santander 1 Senior Debt/ Senior non preferred SBNA Long-term issuer rating 21

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