Non-GAAP to GAAP Reconciliations

SBNA: Funding - Deposits* Average Non-Maturity Deposit Balances¹ ($Bn) Average Total Deposit Balances¹ ($Bn) 1.00% 1.10% 0.95% 1.05% $48.1 $47.7 $47.7 $47.0 $47.3 0.90% $53.1 $53.0 $53.5 $53.7 $54.5 1.00% 0.93% 0.85% 0.95% 0.77% 0.80% 0.87% 0.90% 0.74% 0.75% 0.85% 0.68% 0.79% 0.70% 0.80% 0.61% 0.65% 0.75% 0.70% 0.60% 0.70% 0.55% 0.63% 0.55% 0.65% 0.50% 0.60% 2Q18 3Q18 4Q18 1Q19 2Q19 2Q18 Non-Maturity Deposit Balances Avg. Interest Cost 3Q18 Total Deposits 4Q18 1Q19 2Q19 -Avg. Interest Cost *SBNA total deposits less the SHUSA cash deposit held at SBNA. ¹Represents average quarterly balances. 30 Santander

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