Investor Presentaiton

Balance Sheet Trends - Liabilities LIABILITIES & EQUITY ($B) IB Deposits Borrowed Funds. Other Liabilities' ■NIB Deposits ■Equity $159 $165 $167 $168 $154 21 19 18 2 22 20 20 18 23 22 27 27 27 12 13 41 40 43 45 45 44 59 555 57 54 56 4Q21 1Q22 2Q22 DEPOSITS ($B) 61 19 3Q22 4Q22 Liabilities & equity of $168B up 1% QoQ and 6% YoY Deposits of $79B were up 4% QoQ and down 4% YoY Decline in money market, NIB, and IB deposits was offset by growth in CD balances The yield on CDs has increased to 2.21% for FY 2022 compared to 0.78% for FY 2021 and rates on total IB deposits were up 0.38% YoY COST OF DEPOSITS (%) Money Market $82 NIB Deposits IB Deposits CD ■Savings 2.50% $79 $79 $76 2.00% 6 $74 6 5 5 6 6 1.50% 13 16 33 13 14 14 13 1.00% 23 22 222 20 20 20 20 0.50% 18 0.00% 34 35 55 32 22 31 30 2018 2019 30 IB Demand Deposits 4Q21 1Q22 2Q22 3Q22 4Q22 CDs Santander 1 Other liabilities includes securities sold under repurchase agreements 2020 2021 2022 Money market Savings ---Total IB Deposits 10

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