Investor Presentaiton

Capital Ratios ■ CET1 decreased 200bps QoQ due to dividend of $1.75B paid to Santander in Q4. SHUSA paid a total of $4.75B in 2022 to Santander ☐ Preferred stock was issued to Santander for Tier 1 capital Subordinated debt was issued to Santander for Tier 2 capital CET1 18.8% 18.5% 16.9% 15.2% 13.2% 4Q21 1Q22 2Q22 3Q22 TIER 1 LEVERAGE RATIO 15.0% 13.6% 4Q22 4Q21 TIER 1 RISK-BASED CAPITAL RATIO 20.7% 18.8% 17.2% 15.5% 13.9% 1Q22 11.8% 11.1% 10.2% 2Q22 3Q22 TOTAL RISK-BASED CAPITAL RATIO 4Q22 22.7% 20.6% 18.9% 17.2% 15.9% 4Q21 1Q22 2Q22 3Q22 4Q22 4Q21 1Q22 2Q22 3Q22 4Q22 Santander 21 21

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