Non-GAAP to GAAP Reconciliations

SBNA: Quarterly Trended Statement of Operations 28 (US$ in Millions) Interest income 2Q18 3Q18 4Q18 1Q19 2Q19 Interest expense Net interest income Fees & other income Other non-interest income Net revenue General, administrative & other expense $ AASSASS $ 621 $ 640 $ 680 $ 698 $ 719 $ (105) $ (119) $ (139) $ (157) $ (172) $ 516 $ 521 $ 541 $ 541 $ 547 $ 138 $ 122 $ 138 $ 130 $ 142 $ $ (1) $ (5) $ (2) $ 2 $ 654 $ 642 $ 674 $ 669 $ 691 (498) $ (484) $ (531) $ (529) $ (539) Release of/(provision for) credit losses $ (8) $ (11) $ (43) $ (48) $ (47) Income before taxes $ 148 $ 147 $ 100 $ 92 $ 105 Income tax expense $ (33) $ (33) $ (37) $ (16) $ (20) Net income/(loss) $ 115 $ 114 $ 63 $ 76 $ 85 2Q18 3Q18 4Q18 1Q19 2Q19 Net interest margin before provision 3.19% 3.18% 3.25% 3.15% 3.11% Santander

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