Santander Financial Performance Update

SBNA: ASSET QUALITY (CONTINUED) Outstandings* NPLs to Total Loans MORTGAGES Net Charge-Offs HOME EQUITY $4.5 $7.8 $7.6 $4.4 $7.2 $6.9 $6.4 $4.2 $4.0 $3.9 1.5% 1.1% 0.7% 0.8% 0.8% 2.0% 2.2% 2.1% 2.1% 2.2% (-0.2%) (-0.2%) (-0.2%) 0.0% 0.0% (0.1%) (0.1%) 0.1% 0.0% 0.0% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 CRE1 SANTANDER REAL ESTATE CAPITAL ("SREC") $8.4 $8.4 $8.2 $7.9 $7.7 $6.2 $6.1 $6.0 $5.9 $5.7 1.2% 1.3% 0.7% 0.8% 0.5% 0.2% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 30 1 CRE is comprised of the commercial real estate and continuing care retirement communities business segments (SREC segment included in separate graph) Dollars in billions Santander

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