Non-GAAP to GAAP Reconciliations

18 Asset Quality: SC - Loss and Delinquency • YoY gross charge-offs increased 90 basis points while YoY net charge-offs increased 30 basis points YoY 30-59 day delinquency rates decreased 20 basis points while YoY >59 day delinquency rates increased 20 basis points 15.2% Credit: Individually Acquired Retail Installment Contracts ("RICS"), Held for Investment 60.2% 6.1% 20.2% 19.5% 17.6% Delinquency: Individually Acquired RICS Held for Investment 11.0% 10.5% 9.6% 16.1% 10.6% 6.0% 5.5% 8.8% 8.6% 4.5% 6.4% 9.4% 8.4% 4.7% 4.2% 60.3% 55.9% 50.0% 47.3% Q2 2018 Q3 2018 Q4 2018 Q1 2019 Q2 2019 Q2 2018 Q3 2018 Q4 2018 Q1 2019 Q2 2019 Gross Charge-off Ratio Net Charge-off Ratio Recovery Rate (as % of recorded investment) SOURCE: SC Second Quarter 2019 presentation in its Form 8-K filed on July 24, 2019. See http://investors.santanderconsumerusa.com/financial-info/quarterly-results. 30-59 >59 Santander

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