Investor Presentaiton

SHUSA: Non-GAAP Reconciliations ($ in Millions) 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 SHUSA pre-tax pre-provision income Pre-tax income, as reported $ 1,539 $ 1,084 $ 903 $ 778 $ 546 $ 304 $ 121 (Release of)/provision for credit losses (317) 20 14 217 404 636 761 Pre-tax pre-provision Income 1,222 1,104 917 995 950 940 882 CET1 to risk-weighted assets CET1 capital $ EA Risk-weighted assets Ratio 19,895 $ 113,295 17.6% 20,573 $ 112,068 18.4% 21,068 $ 111,820 18.8% 20,576 $ 111,181 18.5% 19,565 $ 115,655 16.9% 18,025 $ 16,256 118,818 15.2% 123,031 13.2% Tier 1 leverage Tier 1 capital Avg total assets, leverage capital purposes Ratio Tier 1 risk-based $ 21,868 $ 22,631 $ 23,175 148,072 14.8% 152,058 14.9% 154,429 15.0% 20,921 154,305 13.6% 19,910 168,042 11.8% 18,370 $ 17,101 165,054 167,686 11.1% 10.2% Tier 1 capital $ 21,868 $ Risk-weighted assets Ratio 113,295 19.3% 22,631 $ 23,175 112,068 111,820 20.2% 20.7% 20,921 111,181 18.8% 19,910 115,655 17.2% $ 18,370 $ 17,101 118,818 15.5% 123,031 13.9% Total risk-based Risk-based capital $ 23,446 $ 24,192 $ 25,333 Risk-weighted assets Ratio 113,295 20.7% 112,068 21.6% 111,820 22,848 111,181 21,896 115,655 20,396 118,818 22.7% 20.6% 18.9% 17.2% Santander $ 19,607 123,031 15.9% 37

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