Non-GAAP to GAAP Reconciliations

Balance Sheet Trend Balance sheet trend reflects loan and lease growth funded by deposits and borrowed funds Assets ($BN) Liabilities and Equity ($BN) 12 $144 $144 $130 $132 $136 $139 $8 $8 $8 $130 $132 $136 $139 $6 $8 $16 $15 $15 $49 $17 $15 $48 $47 $47 $46 $15 $92 $15 $15 $14 $15 $85 $86 $88 $90 $49 $39 $42 $45 $46 $5 $5 $5 $5 $6 $12 $13 $14 $14 $15 $24 $24 $24 $24 $25 $10 $10 $10 $11 $12 2Q18 3Q18 4Q18 1Q19 2Q19 2Q18 3Q18 4Q18 1Q19 2Q19 Short Term Funds Gross Loans Other Assets IB Deposits Borrowed Funds Equity Investments Leases NIB Deposits Other Liabilities Santander

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