Non-GAAP to GAAP Reconciliations

SBNA: Non-GAAP to GAAP Reconciliations (cont.) 37 2Q18 3Q18 4Q18 1Q19 2Q19 $ Millions SBNA Pre-Tax Pre-Provision Income Pre-tax income, as reported 148 $ 147 $ 100 $ 92 $ 105 Add back: (Release of)/provision for credit losses 8 Pre-tax pre-provision income 156 $ 11 158 $ 43 48 47 143 $ 140 $ 152 Santander

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