Santander Financial Performance Update

SBNA: NON-GAAP RECONCILIATIONS (cont.) 36 SBNA Texas Ratio ($ in Millions) Total equity Goodwill and other intangibles Allowance for loan losses Total equity and loss allowances for Texas Ratio Nonperforming assets 1Q20 2Q20 3Q20 4Q20 1Q21 $ 14,014 $ 12,306 $ 12,307 $ 12,280 $ 12,222 (3,637) (1,788) (1,789) 999 1,249 1,244 (1,787) (1,784) 1,226 1,153 $ 11,376 $ 11,767 $ 11,762 $ 11,719 $ 11,591 SA 384 $ 453 $ 424 $ 502 $ 537 90+ DPD accruing 6 6 5 3 3 Accruing troubled debt restructurings 112 132 178 198 247 Total nonperforming assets $ 502 $ 591 $ 607 $ 703 $ 787 Texas ratio 4.4% 5.0% 5.2% 6.0% 6.8% Santander

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