Non-GAAP to GAAP Reconciliations

SBNA: Asset Quality NPLs -17% $ MM Criticized Balances¹ Criticized Balances ―Criticized Ratio $ MM 13% 31 $613 $618 $570 $517 $522 $523 $535 $2,230 $504 $508 $2,142 $1,969 $2,008 $2,011 $2,008 $1,945 $1,903 $1,796 4.01% 4.13% 4.18% 4.11% 4.05% 4.03% 4.02% 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 2Q17 3Q17 4Q17 3.68% 3.68% 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 Delinquency² Texas Ratio³ 11.38% 0.81% 0.82% 10.97% 10.69% 0.77% 10.19% 0.75% 0.75% 0.72% 0.70% 0.69% 0.70% 9.49% 9.27% 9.02% 8.95% 8.44% 0.62% 0.55% 0.50% 0.52% 0.49% 0.51% 0.50% 0.45% 0.47% 9.00% 8.90% 8.50% 8.00% 8.10% 7.76% 7.45% 7.48% 7.02% 2Q17 3Q17 4Q17 SBNA 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 Large Banks 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 ¹Criticized loans that are categorized as special mention, substandard, doubtful, or loss. 2Delinquency = accruing loans 30-89 DPD plus accruing loans 90+ DPD. 3See below for detail and non-GAAP measurement reconciliation of Texas Ratio. Santander

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