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Investor Presentaiton

Other Santander Other Year-To-Date Ended December 31, ($ in 000's) 2022 2021 YTD Change Dollar Increase / (Decrease) Percentage Net interest income Non-interest income (295,956) (282,031) (13,925) -4.9% Credit losses expense / (benefit) 45,685 (2,639) 100,680 (54,995) -54.6% (4,438) 1,799 40.5% Total expenses 210,880 Income/(loss) before income taxes $ 220,597 (458,512) $ (397,510) $ (9,717) -4.4% (61,002) -15.3% Total assets 27,216,290 35,834,147 (8,617,857) -24.0% Other includes the results of immaterial entities, earnings from non-strategic assets, the investment portfolio, interest expense on SBNA's and SHUSA's borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses. 35
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