Non-GAAP to GAAP Reconciliations

SBNA: Capital Ratios¹ CET1 Tier 1 Leverage Ratio 18.2% 17.3% 17.1% 16.8% 16.2% 14.4% 14.1% 14.1% 13.9% 13.6% וו 2Q18 3Q18 4Q18 1Q19 2Q19 2Q18 3Q18 4Q18 1Q19 2019 Tier 1 Risk-Based Capital Ratio Total Risk-Based Capital Ratio 18.2% 19.3% 17.3% 17.1% 18.4% 18.2% 16.8% 17.8% 16.2% 17.2% 2018 3Q18 4Q18 1Q19 2Q19 2Q18 3018 4Q18 1019 2019 1Capital ratios calculated under the U.S. Basel III framework on a transitional basis. 34 Santander

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