Non-GAAP to GAAP Reconciliations

Non-GAAP to GAAP Reconciliations $ Millions SHUSA Pre-Tax Pre-Provision Income Pre-tax income, as reported Add back: Provision for credit losses Pre-tax pre-provision Income 2Q18 3Q18 4Q18 1Q19 2Q19 CA $ 528 $ 349 $ 184 $ 356 $ 562 434 621 731 600 481 69 962 $ 970 $ 915 956 1,043 25 Santander

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