SANTANDER HOLDINGS USA, INC.

SNUS-PI ·Financial, Banks - Diversified, United States

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Returns on Capital

ROE ROI ROA

Period	ROE	ROI	ROA
Sep 2010	2.0%	2.0%	—
Mar 2011	2.6%	2.6%	—
Jun 2011	2.2%	2.2%	0.3%
Sep 2011	1.6%	1.6%	0.2%
Dec 2011	3.4%	3.4%	0.5%
Mar 2012	1.8%	1.8%	0.3%
Jun 2012	1.4%	1.4%	0.2%
Sep 2012	0.2%	0.2%	0.0%
Dec 2012	0.9%	0.4%	0.1%
Mar 2013	2.1%	2.1%	0.3%
Jun 2013	1.4%	1.4%	0.2%
Sep 2013	0.6%	0.6%	0.1%
Dec 2013	0.8%	0.4%	0.1%
Mar 2014	9.9%	9.9%	1.6%
Jun 2014	1.4%	1.4%	0.2%
Sep 2014	1.3%	1.3%	0.2%
Dec 2014	1.6%	0.5%	0.2%
Mar 2015	0.5%	0.5%	0.1%
Jun 2015	0.9%	0.9%	0.1%
Sep 2015	0.3%	0.3%	0.0%
Dec 2015	-8.9%	-2.5%	-1.2%
Mar 2016	0.2%	0.2%	0.0%
Jun 2016	1.0%	1.0%	0.1%
Sep 2016	0.7%	0.7%	0.1%
Dec 2016	0.0%	0.0%	0.0%
Mar 2017	0.6%	0.6%	0.1%
Jun 2017	0.9%	0.9%	0.1%
Sep 2017	0.8%	0.8%	0.1%
Dec 2017	0.5%	0.2%	0.1%
Mar 2018	0.9%	0.9%	0.1%
Jun 2018	1.2%	1.2%	0.2%
Sep 2018	0.8%	0.8%	0.1%
Dec 2018	0.5%	0.2%	0.1%
Mar 2019	0.8%	0.8%	0.1%
Jun 2019	1.3%	1.3%	0.2%
Sep 2019	0.9%	0.9%	0.1%
Dec 2019	0.4%	0.1%	0.1%
Mar 2020	-0.6%	-0.6%	-0.1%
Jun 2020	-9.9%	-9.9%	-1.2%
Sep 2020	4.0%	4.0%	0.5%
Dec 2020	1.9%	0.6%	0.3%
Mar 2021	3.7%	3.7%	0.5%
Jun 2021	4.5%	4.5%	0.6%
Sep 2021	3.2%	3.2%	0.5%
Dec 2021	2.5%	0.9%	0.4%
Mar 2022	2.8%	2.8%	0.4%
Jun 2022	2.1%	2.1%	0.3%
Sep 2022	1.2%	1.2%	0.1%
Dec 2022	0.7%	0.2%	0.1%
Mar 2023	1.7%	1.7%	0.2%
Jun 2023	3.4%	3.4%	0.3%
Sep 2023	0.7%	0.7%	0.1%
Dec 2023	-0.4%	-0.1%	0.0%
Mar 2024	2.2%	2.2%	0.2%
Jun 2024	2.6%	2.6%	0.2%
Sep 2024	1.2%	1.2%	0.1%
Dec 2024	0.8%	0.2%	0.1%
Mar 2025	2.3%	2.3%	0.2%
Jun 2025	3.0%	3.0%	0.3%
Sep 2025	2.7%	2.7%	0.3%
Dec 2025	2.0%	0.6%	0.2%
Mar 2026	2.5%	2.5%	0.2%
Jun 2026	3.5%	3.5%	0.4%