Non-GAAP to GAAP Reconciliations

Borrowed Funds Profile¹ Public issuances consist of SHUSA unsecured debt and SC auto asset-backed securities SHUSA Consolidated ($BN) SHUSA HOLDCO ($BN) $9.2 $8.4 $45.6 $48.9 $9.2 SHUSA Debt $8.4 $19.1 SC ABS $18.5 SHUSA Debt $7.2 SC Private Amortizing $8.6 $6.5 SC 3rd Party $5.1 SBNA $5.1 $6.9 1Q19 2Q19 $5.1 SBNA ($BN) $6.9 1Q19 2Q19 SC ($BN) $36.8 $35.6 $18.5 ABS $19.1 FHLB $6.8 $7.2 $4.9 Private Amortizing $8.6 3rd Party $6.5 $5.1 Intragroup2 Bank Debt 1Q19 $3.5 $4.0 2Q19 1Q19 2Q19 1As of June 30, 2019. 2Intragroup balance includes lending from SHUSA to SC, which is eliminated in consolidation. 14 Santander

View entire presentation