Santander Financial Performance Update

SHUSA DEBT & TOTAL LOSS-ABSORBING CAPACITY Total Loss-Absorbing Capacity ("TLAC") As of Q1 2021, SHUSA met the Federal Reserve's TLAC and long-term debt ("LTD") requirements1, with 24.4% TLAC, 7.4% eligible LTD1 and a CET1 ratio² of 17.0%. Debt Maturity Schedule² ($ In Billions) $3.1 $0.5 5.827% $2.1 $1.0 3.40% $1.8 $1.0 $1.1 $0.4 3.50% $0.8 3.45% 2.875% $1.0 $0.9 $0.5 $0.7 3.70% $1.2 3ML+110bps $1.0 3.50% $1.1 4.50% $0.9 3.224% $1.0 4.40% $0.5 4.45% $0.4 3ML*+100bps 2021 2022 2023 2024 2025 2026 2027 Private placement Public issuance ■Internal TLAC 14 1 SHUSA's requirement is 20.5% for TLAC and 6.0% for LTD as a percentage of risk-weighted assets 2 Senior debt issuance, unless otherwise noted 3 Month Libor ("3ML") Santander

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