Non-GAAP to GAAP Reconciliations

Balance Sheet Trend (cont.) Loan increase primarily due to SBNA C&I and prime auto loans¹ Deposit growth in core customers Loans and Leases ($BN) Deposits ($BN) 13 $96 $99 $102 $104 $107 $15 $16 $16 $16 $15 $62 $61 $61 $63 $64 $17 $17 $17 $17 $15 $15 $14 $15 $15 $17 $25 $23 $23 $24 $9 $8 $9 $9 $10 $22 $6 $6 $6 $6 $6 $27 $28 $29 $30 $32 $25 $25 $24 $24 $24 $12 $13 $14 $14 $15 $6 $6 $8 $8 $9 2Q18 3Q18 4Q18 1Q19 2Q19 2Q18 3Q18 4Q18 1Q19 2Q19 Res. Mtg C&I Leases NIB DDA Savings Time CRE Auto Other IB DDA MMDA Other ¹See slides 32 and 33 for trend detail on SBNA loan portfolio Santander

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