Santander Financial Performance Update

35 55 SBNA: NON-GAAP RECONCILIATIONS ($ in Millions) 1Q20 2Q20 3Q20 4Q20 1Q21 SBNA pre-tax pre-provision income Pre-tax income, as reported (121) $ (1,953) $ 81 $ 40 $ 194 (Release of)/provision for credit losses 255 266 68 46 (60) Pre-tax pre-provision income $ 134 (1,687) 149 86 134 CET1 to risk-weighted assets CET1 capital EA Risk-weighted assets Ratio 10,173 $10,168 $ 10,219 $ 10,267 $ 10,394 64,971 67,065 66,507 15.7% 15.2% 15.4% 65,520 15.7% 64,521 16.1% Tier 1 leverage Tier 1 capital 10,173 $ 10,168 Avg total assets, leverage capital purposes 80,825 86,547 Ratio 12.6% 11.7% $ 10,219 84,264 12.1% $ 10,267 $ 10,394 84,620 85,690 12.1% 12.1% Tier 1 risk-based Tier 1 capital Risk-weighted assets Ratio 10,173 $10,168 $ 10,219 64,971 67,065 66,507 15.7% 15.2% 15.4% $ 10,267 $ 10,394 65,520 64,521 15.7% 16.1% Total risk-based Risk-based capital Risk-weighted assets Ratio $ 10,930 $ 11,005 $11,050 $ 11,085 $11,199 65,520 64,521 64,971 67,065 66,507 16.8% 16.4% 16.6% 16.9% 17.4% Santander

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