Santander Financial Performance Update

SBNA: QUARTERLY TRENDED STATEMENT OF OPERATIONS EA 1Q20 665 $ (157) 2Q20 3Q20 4Q20 1Q21 591 $ 572 $ 549 $ 532 (89) (57) (43) (32) 508 $ 502 $ 515 $ 506 $ 500 135 132 151 145 135 11 22 10 654 $ 656 $ 666 $ 651 $ 645 (520) (2,343) (517) (565) (511) (255) (266) (68) (46) 60 (121) $ (1,953) $ 81 $ 40 $ 194 42 198 (33) (26) (37) (79) $ (1,755) $ 48 $ 14 $ 157 EA EA 69 ($ in Millions) Interest income Interest expense Net interest income Fees & other income Other non-interest income Net revenue General, administrative & other expenses Release of/(provision for) credit losses Income before taxes Income tax expense Net income/(loss) Net interest margin before provision 26 26 1Q20 2Q20 3Q20 4Q20 1Q21 2.7% 2.5% 2.7% 2.6% 2.5% Santander

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