Non-GAAP to GAAP Reconciliations

SBNA: Non-GAAP to GAAP Reconciliations (cont.) $ Millions 2Q18 3Q18 4Q18 1Q19 2Q19 SBNA Texas Ratio Total Equity Less: Goodwill and other intangibles (excluding MSRs¹) Preferred stock Add: Allowance for loan losses Total equity and loss allowances for Texas Ratio Nonperforming assets $ 13,476 $ 13,241 $ 13,408 $ 13,561 $ 13,736 (3,581) (3,589) (3,636) (3,607) (3,632) 545 531 560 560 546 $ 10,440 $ 10,183 $ 10,318 $ 10,514 $ 10,664 $ 537 $ 541 $ 526 $ 558 $ 528 90+ DPD accruing 0 0 7 7 Accruing TDRs 284 244 232 232 215 Total nonperforming assets $ 821 $ 785 $ 765 $ 797 $ 749 Texas ratio ¹Mortgage servicing rights. 7.9% 7.7% 7.4% 7.6% 7.0% 36 Santander

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