Non-GAAP to GAAP Reconciliations

SBNA: Quarterly Average Balance Sheet Quarterly Averages 29 (In millions) 2Q19 1Q19 Change 2Q18 Average Balance Yield/ Rate Average Yield/ Average Yield/ Average Yield/ Balance Rate Balance Rate Balance Rate Deposits and investments $ 15,997 2.40% $ 15,996 2.60% $ 1 -0.20% $ 17,684 2.34% Loans 54,330 4.59% 52,622 4.51% 1,708 0.08% 47,903 4.35% Allowance for loan losses (560) (546) (14) (546) Other assets 9,322 9,108 214 8,586 TOTAL ASSETS $ 79,089 3.64% $ 77,180 3.62% $ 1,909 0.02% $ 73,627 3.39% Interest-bearing demand deposits 8,791 0.71% 8,444 0.69% 347 0.02% 7,974 0.34% Noninterest-bearing demand deposits 12,514 12,320 194 11,808 Savings 3,885 0.06% 3,817 0.69% 68 -0.63% 4,041 0.34% Money market 25,576 1.24% 25,984 1.15% (408) 0.09% 28,265 0.90% Certificates of deposit 7,213 2.00% 6,660 1.86% 553 0.14% 5,028 1.41% Borrowed funds 5,317 3.07% 4,373 3.27% 944 -0.20% 1,391 4.79% Other liabilities 2,101 2,068 33 1,608 Equity 13,692 13,514 178 13,512 TOTAL LIABILITIES & STOCKHOLDER'S EQUITY $ 79,089 0.87% $ 77,180 0.81% $ 1,909 0.06% $ 73,627 0.57% NIM 3.11% 3.15% -0.04% 3.19% Santander

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