Santander Financial Performance Update

SBNA: FUNDING - DEPOSITS 28 AVERAGE NON-MATURITY DEPOSIT BALANCES 1,2 ($B) Non-Maturity Deposit Balances Avg. Interest Cost $64.5 $62.0 $59.4 $56.7 $50.7 0.64% 0.28% 0.22% 0.17% 0.12% AVERAGE TOTAL DEPOSIT BALANCE 1,2 ($B) Total Deposits Avg. Interest Cost $67.8 $65.9 $64.4 $62.6 $58.4 0.78% 0.40% 0.31% 0.24% 0.17% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 1 Represents average quarterly balances. 2 SBNA total deposits less the SHUSA cash deposit held at SBNA. Santander

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