Santander Financial Performance Update

SHUSA: NON-GAAP RECONCILIATIONS ($ in Millions) 1Q20 2Q20 3Q20 4Q20 1Q21 SHUSA pre-tax pre-provision income Pre-tax income, as reported Provision for credit losses Pre-tax pre-provision Income CET 1 to risk-weighted assets CET 1 capital Risk-weighted assets Ratio (156) $ (2,082) $ 822 $ 650 $ 1,180 1,186 977 406 299 76 SA $ 1,030 (1,105) 1,228 949 1,256 17,113 $ 17,173 $ 17,921 $ 18,368 $ 19,020 120,055 14.3% 119,862 14.3% 116,060 15.4% 115,206 111,868 15.9% 17.0% Tier 1 leverage Tier 1 capital 18,311 18,825 $ Avg total assets, leverage capital purposes 144,758 Ratio 12.6% 151,148 12.5% 19,570 $ 148,387 13.2% 20,048 $ 20,809 145,623 146,589 13.8% 14.2% Tier 1 risk-based Tier 1 capital Risk-weighted assets Ratio 24 24 $ 18,311 $ 120,055 15.3% 18,825 $ 119,862 15.7% 19,570 $ 20,048 $ 20,809 116,060 16.9% 115,206 111,868 17.4% 18.6% Risk-based capital Risk-weighted assets Ratio $ 20,007 $ 120,055 16.7% 20,502 $ 119,862 17.1% 21,190 $ 116,060 18.3% 21,659 $ 22,370 115,206 111,868 18.8% 20.0% Total risk-based Santander

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