Investor Presentaiton

Consumer Activities YTD Ended December 31, ($ in 000's) 2022 2021 Total Consumer Activities Auto CBB Total Consumer Activities Auto CBB Total Consumer Activities Dollar Increase / (Decrease) Percentage Net interest income Non-interest income 4,041,002 $ 1,403,871 $ 5,444,873 4,335,818 2,779,138 300,983 3,080,121 3,412,388 1,300,240 $ 5,636,058 325,103 $ (191,185) 3,737,491 (657,370) -3.4% -17.6% Credit losses expense/(benefit) 1,730,062 216,600 1,946,662 (118,670) 29,339 (89,331) 2,035,993 2279.2% Total expenses 3,294,863 1,548,098 4,842,961 3,464,615 1,590,148 5,054,763 (211,802) -4.2% Income/(loss) before income taxes $ 1,795,215 $ (59,844) $ 1,735,371 $ 4,402,261 $ 5,856 $ 4,408,117 $ (2,672,746) -60.6% Total assets 62,645,083 13,107,982 75,753,065 63,061,949 12,561,672 75,623,621 129,444 0.2% Santander 1| Consumer and Business Banking 31

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