Investor Presentaiton

Auto Originations ■ Q4 auto originations of $6.2 billion were down 18% YoY FY 2022 auto originations of $30.1 billion were down 13% compared to FY 2021 SBNA originations were up 21% FY 2022 compared to FY 2021 Three Months Ended Originations ($ in Millions) Q4 2022 Q3 2022 Q4 2021 Twelve Months Ended FY 2022 FY 2021 % Variance QoQ YOY FYOFY Total Core Retail Auto $3,063 $3,489 $3,234 $13,441 $12,989 (12%) (5%) 3% Chrysler Capital Loans (<640)¹ $966 $1,296 $1,162 $4,795 $5,238 (25%) (17%) (8%) Chrysler Capital Loans (≥640)1 $1,052 $2,058 $1,728 i $5,929 $8,778 (49%) (39%) (32%) Total Chrysler Capital Retail $2,018 $3,354 $2,890 $10,725 $14,016 (40%) (30%) (23%) Total Leases² $1,159 $1,336 $1,514 $5,939 $7,570 (13%) (23%) (22%) Total Auto Originations³ $6,240 $8,179 $7,638 i $30,104 $34,575 (24%) (18%) (13%) SBNA Originations* $2,490 $2,925 $2,055 $10,120 $8,362 (15%) 21% 21% Santander 1 Approximate FICO® scores 2 Includes nominal capital lease originations 3 Includes SBNA loan originations of $1.8 billion and lease originations of $1.1 billion for Q3 2022 4 SBNA originations remain off SC's balance sheet in the service for others portfolio 13

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