Santander US Quarterly Financial Analysis

SANTANDER HOLDINGS USA, INC. SHUSA is an intermediate holding company ("IHC") for Santander US entities and issues under the ticker symbol "SANUSA" SHUSA Highlights SBNA Bo Ko ATM 7 major locations $152B in assets 16,900 employees 999 5M customers SC 68 Santander SC operates in all 50 states Company location SHUSA 100% Ownership SC 84 84 BSI SIS BSPR SBNA-Retail Bank 100% Ownership $88B Assets Products include: C&I and commercial Multi-family Residential mortgage Dealer floorplan financing SC - Auto Finance 77.7% Ownership $47B Assets Preferred auto finance provider to Fiat Chrysler • • Leading auto loan and lease originator and servicer #1 auto ABS issuer in 2019 BSI - Private Banking 100% Ownership $6B Assets • Private wealth management for HNW and UHNW clients SIS-Broker Dealer 100% Ownership $5B Assets Investment banking services include: • • • Global markets Global transaction banking Global debt financing Corporate finance BSPR - Retail Bank 100% Ownership $6B Assets SHUSA recently agreed to sell Puerto Rico's retail and commercial franchise to FirstBank Puerto Rico 4 *As of June 30, 2020 Santander

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