Santander Financial Performance Update

SBNA: ASSET QUALITY NPLs 526 493 443 414 370 CRITICIZED BALANCES¹ Criticized Balances Criticized Ratio 3,737 3,343 2,760 2,822 2,069 6.8% 6.1% 5.1% 4.8% 3.7% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 DELINQUENCY² 0.75% 0.67% 0.55% 0.50% TEXAS RATIO3 6.79% 6.00% 5.02% 5.16% 4.41% 0.39% 1Q20 2Q20 3Q20 4Q20 1Q21 29 1 Criticized loans that are categorized as special mention, substandard, doubtful, or loss 2 Delinquency accruing loans 30-89 days past due ("DPD") plus accruing loans 90+ DPD 3 See page 37 for non-GAAP measurement reconciliation of Texas Ratio 1Q20 2Q20 3Q20 4Q20 1Q21 Santander

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