Non-GAAP to GAAP Reconciliations

Net Interest Margin ("NIM”) and Interest Rate Risk ("IRR”) Sensitivity SHUSA's asset sensitive position has decreased modestly since 4Q18 12.00% NIM 4.00% SHUSA IRR (Change in annual net interest income for parallel rate movements) 10.00% 10.9% 10.6% 10.2% 10.0% 10.1% 3.00% 3.20% 2.79% 2.87% 8.00% 2.00% 2.53% 2.54% 1.00% 6.00% 5.80% 5.98% 5.90% 5.81% 5.71% 0.00% 4.00% 2018 3Q18 4018 1019 2019 -1.00% 3.19% 3.18% 3.25% 3.15% 3.11% 2.00% -2.00% 0.00% -3.00% -2.67% 2018 3018 4018 1019 2019 -2.78% -2.95% -3.07% -4.00% -3.44% SHUSA -SC SBNA Down 100bps Up 100bps 10 Santander

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