Non-GAAP to GAAP Reconciliations

Consolidating Balance Sheet June 30, 2019 22 IHC (US $ millions) Assets SBNA SC Other (1) Entities (2) SHUSA Cash and cash equivalents $ 4,603 100 $ (120) $ 3,436 $ 8,019 Investments available-for-sale at fair value 9,214 95 249 2,344 11,902 Investments held-to-maturity 2,956 2,956 Other investment securities (3) 949 2 5 956 Loans held for investment ("HFI") Less ALLL Total loans HFI, net Goodwill 53,819 28,961 (58) 7,250 89,972 (560) (3,122) 4 (106) (3,784) 53,259 25,839 (54) 7,144 86,188 3,403 74 967 4,444 Other assets 7,019 Total assets $ 81,403 $ 20,304 46,412 518 1,604 29,445 $ 1,562 $ 14,533 $ 143,910 Liabilities and Stockholder's Equity Deposits $ 58,319 $ $ (4,069) $ 9,470 $ 63,720 Borrowings and other debt obligations 6,900 36,765 5,169 73 48,907 Other liabilities Total liabilities Stockholder's equity including noncontrolling interest Total liabilities and stockholder's equity 2,448 2,310 152 1,868 67,667 39,075 1,252 11,411 6,778 119,405 13,736 7,337 310 3,122 24,505 $ 81,403 $ 46,412 $ 1,562 $ 14,533 $ 143,910 ¹Includes holding company eliminations, IHC eliminations and purchase accounting marks related to SC consolidation. 2The entities acquired in the formation of the IHC are presented within "other" in SHUSA's financial statement segment presentation due to immateriality. 3Other investment securities include trading securities. Santander

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