Non-GAAP to GAAP Reconciliations

Asset Quality: SBNA SBNA asset quality metrics remain in line with large bank peers Annualized Net Charge off Ratio NPL Ratio¹ 0.60% 1.50% 1.28% 1.20% 0.44% 0.45% 1.25% 0.40% 0.41% 0.39% 1.20% 1.06% 1.07% 1.05% 0.37% 0.37% 0.97% 1.00% 0.40% 0.41% 0.36% 0.35% 0.92% 0.90% 1.06% 1.02% 0.24% 0.34% 0.20% 0.27% 0.36% 0.96% 0.91% 0.60% 0.27% 0.83% 0.79% 0.76% 0.78% 0.76% 0.21% 0.30% 0.14% 0.14% 0.00% 0.00% 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 Large Banks SBNA ALLL² to Total Loans Large Banks SBNA Reserve Coverage (ALLL/NPL) 17 1.50% 200.0% 1.20% 1.17% 1.16% 1.13% 1.16% 1.10% 1.13% 1.11% 0.90% 1.06% 1.06% 1.09% 1.07% 1.12% 1.06% 1.06% 1.09% 1.10% 143.5% 149.0%149.4%148.0% 153.5% 150.0% 120.1% 124.4% 126.8% 134.5% 1.05% 1.02% 100.0% 0.60% 100.3% 96.7% 104.3% 101.4% 108.3% 104.6% 110.4% 85.1% 88.2% 0.30% 50.0% 0.00% 0.0% 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 Large Banks SBNA **Source: SNL Bank level data; Large Bank = BAC, COF, C, KEY, BMO, HSBA, PNC, RBS, JPM, UNB, TD, USB, and WFC 1NPLs = Non accruing loans plus accruing loans 90+ days past due ("DPD"). 2ALLL = Allowance for loan and lease losses. 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 Large Banks SBNA Santander

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