Non-GAAP to GAAP Reconciliations

Corporate Structure¹ SHUSA ownership of SC increased from 69.8% to 70.5% during 2Q19 70.5% ownership Santander 100% ownership SHUSA $143.9BN Assets SBNA SC BSI BSPR² SIS $81.4BN Assets $46.4BN Assets Retail Bank Auto Finance $6.0BN Assets Private Banking $6.2BN Assets Retail Bank $1.8BN Assets Broker Dealer 1Balances as of June 30, 2019. 2Banco Santander Puerto Rico. 6 Santander

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