Santander Holdings USA, Inc.

As of December 31, 2025, the Company utilized 404 buildings that occupy a total of 2.3 million square feet, including 82 owned properties with 0.4 million square feet, and 322 leased properties with 1.9 million square feet. The executive and primary administrative offices for SHUSA and SBNA are located at 75 State Street, Boston, Massachusetts. The Company leases this location. SC's corporate headquarters are located at 1601 Elm Street, Dallas, Texas. SC leases this location. SanCap's primary administrative office is located at 437 Madison Ave, New York, New York. BSI's corporate headquarters are located at 830 Brickell Plaza, Miami, Florida. BSI leases this location.

Seven major buildings serve as the headquarters or house significant operational and administrative functions, and are:

Operations Center - 1 Enterprise Drive, Quincy, Massachusetts - Leased

SHUSA/SBNA Administrative Offices - 75 State Street, Boston, Massachusetts - Leased

SC Administrative Offices - 1601 Elm Street, Dallas, Texas - Leased

BSI Operations and Administrative Offices - 830 Brickell Plaza, Miami, Florida - Leased

SHUSA/SBNA Operations and Administrative Offices - 3390 Mary Street, Miami, Florida - Leased

SanCap Headquarters and Administrative Offices - 437 Madison Ave, New York, New York - Leased

SanCap and SBNA Operation and Administrative Offices - 200 Liberty Street, New York, New York 10006 - Leased

The majority of these seven Company properties identified above are utilized for general corporate purposes. The remaining 397 properties consist primarily of bank branches and lending offices. Of the total number of buildings, SBNA has approximately 372 retail branches.

For additional information regarding the Company's properties refer to Note 5 - "Premises and Equipment" and Note 7 - "Other Assets" in the Notes to Consolidated Financial Statements in Item 8 of this Report.