Santander US Quarterly Financial Analysis

SANTANDER GROUP Santander (SAN SM, STD US, BNC LN) is a leading retail and commercial bank headquartered in Spain. It has a meaningful presence in 10 core markets in Europe and the Americas, and is one of the largest banks in the world by market capitalization. The United States is a core market for the Santander Group, contributing 7% to 1H 2020 underlying attributable profit 3 1H 2020 Loans & Advances to Customers 1 EUR bn and % change in constant EUR YOY 204 1% Contribution to 1H 2020 Underlying attributable profit² Spain, 8% Europe 238 4% Brazil, 32% Europe 102 SCF, 15% 3% 38 4% 30 4% 101 North 11% South America America 40 30 9% 65 €1.9B Underlying attributable profit UK, 5% 18% South America 39 13% Chile, 6% | 5 39% Group Total Argentina, 4% 909 6% Other³, 3% Mexico, 13% Portugal, 5% Poland, 2% USA, 7% North America 1 Loans and advances to customers excluding reverse repos 2 Underly ing profit weight excludes Corporate Centre and Santander Global Platform 3 South America's Other weight includes Uruguay & Andean Region Santander

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