Non-GAAP to GAAP Reconciliations

Quarterly Profitability1,2 2019 net income improved QoQ and YoY Net Interest Income ($MM) Pre-Tax Pre-Provision Income ($MM) 1,250 2,000 1,043 962 970 1,592 1,599 1,604 1,603 1,622 956 1,000 915 1,500 1,000 500 750 500 250 0 0 2018 3Q18 4Q18 1Q19 2019 2018 3018 4Q18 1019 2019 800 528 450 300 150 Pre-Tax Income/(Loss) ($MM) 349 184 356 562 500 400 360 300 200 100 Net Income ($MM)1 239 132 240 407 0 0 2018 3018 4018 1019 2Q19 2018 3018 4018 1Q19 2019 1 Net income includes noncontrolling interest. Refer to page 23 for additional detail. 2See Page 21 for the consolidating income statement. 9 Santander

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