Non-GAAP to GAAP Reconciliations

11 Balance Sheet Overview1,2 SHUSA's balance sheet reflects the combination of depository institutions funded by core deposits and an auto finance company financed with diversified wholesale funding sources $143.9BN Assets $119.4BN Liabilities $24.5BN Equity Home CRE3 Equity Multi-Family Residential 6% Mortgage 4% 6% 6% Goodwill 3% Other Assets4 7% Cash 5% 11% Investments 20% Auto Loans - SC C&I and Other Commercial Equity 17% 17% Money Market Deposit Accounts ("MMDA") 17% 10% Non Interest-Bearing Demand Deposits ("NIB DDA") Savings 4% Interest-Bearing 7% Demand Deposits 1% Other Consumer 3% Auto Loans SBNA 5% Other Liabilities 11% 5% FHLB Auto Leases - SC 6% 18% ("IB DDA") 6% Certificates 5% of Deposit Revolving Credit Other Borrowings Facilities Secured Structured Financings Santander 1Balances as of June 30, 2019. 3 Commercial real estate ("CRE"). 2See page 22 for the consolidating balance sheet. 4Includes loans held for sale and allowance for loan and lease losses.

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