Investor Presentaiton

SHUSA: Quarterly Trended Statement Of Operations ($ in Millions) Interest income Interest expense Net interest income S 4Q21 1Q22 2Q22 3Q22 4Q22 1,758 1,722 1,908 $ 2,238 2,554 (253) (242) (375) (639) (992) 1,505 $ 1,480 $ 1,533 $ 1,599 $ 1,562 Fees & other income Other non interest income Net revenue 1,018 967 939 934 871 $ (1) 14 11 $ (19) 12 2,522 $ 2,461 $ 2,483 $ 2,514 $ 2,445 General, administrative, and other expenses (1,605) (1,466) (1,533) (1,574) (1,563) Credit loss (expense) / benefit (14) (217) (404) (636) (761) Income before taxes 69 903 $ 778 $ 546 304 $ 121 Income tax (expense)/benefit (198) (162) (107) (76) 2 Net income 705 616 439 228 123 Less: Net income attributable to NCI 135 Net income attributable to SHUSA 570 616 439 228 123 Santander NIM 4Q21 1Q22 2Q22 3Q22 4Q22 4.6% 4.5% 4.3% 4.5% 4.4% 36

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