Non-GAAP to GAAP Reconciliations

SBNA: Asset Quality (cont.) Commercial Banking¹ $14.6 $14.4 $14.4 $13.7 $14.1 $14.3 $14.6 $14.9 $15.0 Corporate and Investment Banking 33 $6.9 $6.4 $5.7 $5.2 1.7% 1.8% 1.5% 1.7% 1.5% 1.3% 1.2% 1.2% 1.4% 1.2% 0.8% $4.7 $4.7 1.3% 1.3% $5.3 $5.4 1.2% 1.1% $5.8 1.6% 1.4% 1.2% 0.8% 0.3% 0.8% 0.7% 0.3% 0.4% 0.4% 2Q17 3Q17 0.3% 0.2% 4Q17 1Q18 2Q18 3Q18 0.2% 0.1% + 0.3% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% T 4Q18 1Q19 2Q19 2Q17 3Q17 4Q17 Other Consumer² 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 Indirect Chrysler³ $3.8 $2.3 4.4% 4.6% 4.7% 4.8% 3.8% $1.5 3.7% 3.7% $1.6 $1.6 4.2% 4.0% $1.5 $1.5 $1.6 $1.5 $1.7 $1.6 $1.5 $0.7 $0.0 $0.0 $0.0 $0.0 $0.0 0.2% 1.8% 1.7% 1.7% 1.7% 1.6% 1.3% 1.3% 1.3% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.5% 0.6% 0.3% 1.4% 0.0% 9.9% 8.0% 0.0% 01% 0.0% 0.2% 0.3% 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 2Q17 3Q17 4Q17 1Q18 Outstandings NPLs to Total Loans 2Q18 3Q18 4Q18 1Q19 2Q19 Net Charge-Offs** *NPL = Nonaccruing loans plus accruing loans 90+ DPD **NCO = Rolling 12-month average for that quarter and the prior 3 quarters ¹Commercial Banking = Equipment Finance & Leasing, Commercial Equipment Vehicle Finance-Strategic, Financial Institutions Coverage, International Trade Banking, Middle Market, Asset-Based Lending, Institutional-Non Profit, Government Banking, Life Sciences & Technology, Professional & Business Services, Energy Finance, Mortgage Warehouse, Other Non- Core Commercial, Chrysler Auto Finance, Footprint Dealer Floorplan and Commercial Banking Not Classified Elsewhere and all other Commercial Business segments. US $ Billions 2Other Consumer = Direct Consumer, Indirect Consumer, Recreational Vehicle/Marine, Credit Cards, & Retail. run-off. ³Indirect Chrysler = Prime auto loans originated by SBNA through program with SC. Santander

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