Non-GAAP to GAAP Reconciliations

SBNA: Asset Quality (cont.) Mortgages Home Equity 32 $7.2 $7.4 $7.9 $8.2 $8.6 $8.9 $9.0 $9.1 $9.0 $5.8 $5.7 $5.7 $5.6 $5.5 $5.4 $5.3 $5.2 $5.0 1.8% 1.8% 1.8% 1.9% 1.8% 1.8% 1.8% 1.8% 1.8% 1.9% 1.8% 1.6% 1.4% 1.2% 1.1% 1.1% 1.1% 1.0% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 2Q17 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.0% -0.1% -0.1% 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 CRE¹ Santander Real Estate Capital ("SREC") $5.4 $5.5 $5.2 $5.1 $5.3 $5.3 $5.3 $5.4 $5.3 $8.8 $8.7 $8.7 $8.4 $8.5 $8.4 $8.3 $8.4 $8.5 0.5% 0.5% 0.5% 0.5% 0.4% 0.8% 0.0% 0.0% 0.0% 0.0% 0.1% 0.1% 0.1% 0.4% 0.3% 0.1% 0.1% 0.0% -0.1% 0.1% 0.1% 0.1% 0.0% 0.0% 0.1% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% T T T T 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 Outstandings NPLs to Total Loans Net Charge-Offs** *NPL = Nonaccruing loans plus accruing loans 90+ DPD **NCO = Rolling 12-month average for that quarter and the prior 3 quarters 1Commercial real estate ("CRE") is comprised of the commercial real estate and continuing care retirement communities business segments (SREC segment included in separate graph). US $ Billions Santander

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