Santander US Quarterly Financial Analysis

BALANCE SHEET OVERVIEW SHUSA's balance sheet' grew 6% YoY driven by auto, CIB and PPP loans Goodwill and Other Intangibles, 2% Other Consumer Loans, 1% Home Equity, 3% Auto Loans SBNA, 5% CRE, 5% Auto Loans SC, 20% Savings, 3% SC revolving credit facilities, 3% Certificates of deposit, 4% Other Liabilities, 5% FHLB borrowings, 4% $132B Liabilities $20B Equity Residential, 5% Multi-family,6% Other Assets (incl. restricted Cash), 7% $152B Assets C&I and Other Commercial, 16% Other borrowings, 9% Interest-bearing demand, 8% 13 Cash, 7% Investments, 12% Operating Lease Assets, 11% 1 See page 24 for the consolidated balance sheet 2 Includes loans held for sale and allowance for loan and lease losses SC secured structured financings, 18% Noninterest- bearing demand, 13% Equity (including NCI), 13% Money market, 20% Santander

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