Santander US Quarterly Financial Analysis
SBNA: NON-GAAP RECONCILIATIONS
($ in Millions)
SBNA pre-tax pre-provision income
Pre-tax income, as reported
(Release of)/provision for credit losses
Pre-tax pre-provision Income
CET 1 to risk-weighted assets
CET 1 capital
Risk-weighted assets
Ratio
Tier 1 leverage
2Q19
3Q19
4Q19
1Q20
2Q20
105 $
95 $
(1) $
(121) $ (1,953)
47
50
63
255
266
$
152 $
145 $
62
134
(1,687)
SA
$ 10,303 $
10,335 $
63,635
64,543
16.2%
16.0%
10,220 $10,173 $ 10,168
64,678 64,971
15.8%
15.7%
67,065
15.2%
39
Tier 1 capital
$ 10,303 $
10,335 $
10,220 $10,173 $ 10,168
Avg total assets, leverage capital purposes
Ratio
75,719
13.6%
77,262
13.4%
80,007
12.8%
80,825
12.6%
86,547
11.7%
Tier 1 risk-based
Tier 1 capital
Risk-weighted assets
Ratio
Total risk-based
Risk-based capital
Risk-weighted assets
Ratio
$ 10,303 $
63,635
16.2%
10,335 $
10,220 $10,173 $ 10,168
64,543
16.0%
64,678
64,971
15.8%
15.7%
67,065
15.2%
$ 10,952 $
63,635
17.2%
10,965 $
64,543
10,844 $10,930 $ 11,005
17.0%
64,678
16.8%
64,971
16.8%
67,065
16.4%
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