Santander US Quarterly Financial Analysis

SBNA: ASSET QUALITY (CONTINUED) Outstandings* NPLs to Total Loans MORTGAGES Net Charge-Offs HOME EQUITY $9.0 $8.5 $8.2 $7.8 $7.6 $5.0 $4.8 $4.6 $4.5 $4.4 1.0% 1.1% 0.7% 0.7% 0.8% 1.8% 1.9% 1.9% 2.1% 2.2% 0.0% 0.0% (0.1%) (0.2%) (0.2%) (0.1%) (0.1%) 0.0% 0.1% 0.1% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 CRE1 SANTANDER REAL ESTATE CAPITAL ("SREC") $8.5 $5.9 $5.7 $5.5 $5.5 $5.3 $8.4 $8.5 $8.4 $8.4 0.7% 0.0% 0.1% 0.1% 0.2% 0.1% 0.5% 0.0% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 2Q19 3Q19 4Q19 1Q20 2Q20 2Q19 3Q19 4Q19 1Q20 2Q20 34 1 CRE is comprised of the commercial real estate and continuing care retirement communities business segments (SREC segment included in separate graph) Dollars in billions Santander

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