Non-GAAP to GAAP Reconciliations

Capital Ratios¹ SHUSA capital ratios remain at the top of peers² Modest decline in ratios due to asset growth and regulator approved capital actions CET1 Tier 1 Leverage Ratio 16.3% 14.6% 15.7% 15.5% 14.2% 15.4% 14.0% 13.9% 15.0% 13.7% 2018 3018 4Q18 1Q19 2019 2018 3018 4018 1Q19 2019 Tier 1 Risk-Based Capital Ratio 17.9% 17.1% 16.9% 16.7% 16.3% ☐ 2018 3Q18 4Q18 1Q19 2019 ¹Capital ratios calculated under the U.S. Basel III framework on a transitional basis. 2See page 24 for comparison of SHUSA capital ratios to peers. Total Risk-Based Capital Ratio 19.5% 18.7% 18.4% 18.1% 17.7% 2018 3Q18 4Q18 1Q19 2Q19 16 Santander

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