SHUSA stress capital buffer set at 2.5%, overall CET1 requirement 7.0%

Santander Holdings USA, Inc.

SCB of 2.5% CET1, effective Oct 1, 2023; lowest possible under Federal Reserve rules.
Overall CET1 capital requirement becomes 7.0%.
As Category IV firm, SHUSA not subject to CCAR; stress results not publicly released.
Internal stress tests show strong capital under rising-rate and used car/commercial real estate shock scenarios.
Historically top quartile among CCAR firms for minimum CET1 and decline from starting CET1.

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