Santander Financial Performance Update

SBNA: CAPITAL RATIOS CET1 TIER 1 LEVERAGE RATIO 15.7% 15.2% 15.4% 15.7% 16.1% 12.6% 12.1% 12.1% 12.1% 11.7% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 TIER 1 RISK-BASED CAPITAL RATIO TOTAL RISK-BASED CAPITAL RATIO 15.7% 15.2% 15.4% 15.7% 16.1% 16.8% 16.4% 16.6% 16.9% 17.4% 1Q20 2Q20 3Q20 4Q20 1Q21 1Q20 2Q20 3Q20 4Q20 1Q21 32 Capital ratios through March 31, 2020 calculated under the U.S. Basel III framework on a transitional basis. Capital ratios starting in the first quarter of 2020 calculated under Current Expected Credit Losses ("CECL") transition provisions permitted by the Coronavirus Aid, Relief, and Economic Security ("CARES") Act. Santander

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