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Rating Agencies SHUSA and SBNA ratings outlook remained “stable” Santander Fitch Ratings Stable outlook (June 14, 2022) SR. DEBT RATINGS BY SANTANDER ENTITY Santander¹ A/A- SHUSA BBB+ SBNA BBB+ Santander¹ A2/Baa1 Stable outlook MOODY'S. SHUSA Baa3 (June 25, 2021) SBNA² Baa1 Santander¹ A+/A- STANDARD Stable outlook SHUSA BBB+ & POOR'S (July 22, 2022) SBNA A- 1 Senior preferred debt / senior non-preferred debt 2 SBNA long-term issuer rating 23

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