Non-GAAP to GAAP Reconciliations

SBNA: Non-GAAP to GAAP Reconciliations $ Millions CET 1 to Risk-Weighted Assets CET 1 Capital Risk-weighted assets Ratio Tier 1 Leverage 2Q18 3Q18 4Q18 1Q19 2Q19 $ 10,135 $ 9,952 $ 10,179 $ 10,239 $ 10,303 55,779 57,609 59,394 61,057 63,635 18.2% 17.3% 17.1% 16.8% 16.2% Tier 1 capital Average total assets for leverage capital purposes Ratio $ 10,135 $ 9,952 $ 10,179 $ 10,239 $ 10,303 70,222 70,694 72,309 73,903 75,719 14.4% 14.1% 14.1% 13.9% 13.6% Tier 1 Risk-Based Tier 1 capital Risk-weighted assets Ratio Total Risk-Based $ 10,135 $ 9,952 55,779 57,609 $ 10,179 $ 10,239 $ 10,303 59,394 61,057 63,635 18.2% 17.3% 17.1% 16.8% 16.2% Risk-based capital Risk-weighted assets Ratio $ 10,766 $ 10,577 $ 10,820 $ 10,890 $ 10,952 55,779 57,609 59,394 61,057 63,635 19.3% 18.4% 18.2% 17.8% 17.2% 35 Santander

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