Santander US Quarterly Financial Analysis

NIM AND INTEREST RATE RISK (IRR) SENSITIVITY SHUSA's asset-sensitive position has decreased since Q1 2019 NET INTEREST MARGIN SC 10.1% 10.0% 9.5% 9.2% 8.4% SHUSA 5.7% 5.6% 5.4% 5.3% 4.9% SHUSA INTEREST RATE RISK (Change in annual net interest income for parallel rate movements) Up 100bps 2.5% 1.9% 1.8% 1.5% 1.3% 2Q19 0.0% 3Q19 4Q19 1Q20 2Q20 -0.7% SBNA 3.1% 3.0% Down 100bps 2.8% 2.7% -1.1% 2.5% -1.9% -2.7% 12 2Q19 3Q19 4Q19 1Q20 2Q20 Santander

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