Non-GAAP to GAAP Reconciliations

22% Capital Ratios Peer Comparison (as of 6/30/19) 18% CET1 16% Peer Group Median = 10.53% 14% 12% 10% 8% 6% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Total Risk-Based Capital Peer 8 Peer 9 Peer 10 Peer 11 20% Peer Group Median = 13.73% 18% 16% 14% 12% 10% 8% Peer 1 Peer 2 Peer 3 Peer 4 Peer Median Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 11 Peer 10 Peer 12 Peer 13 Peer 12 Peer 13 Peer 14 Peer 15 Peer 16 Peer 14 Peer 15 Peer data from SNL Peer 16 Peer 17 SHUSA 20% 18% 15.04% 16% 14% 12% 10% 8% Peer 17 Peer 18 SHUSA 7 6% Peer 18 16% 14% 17.75% 12% 10% 8% 6% 4% Peers: ALLY, BBT, BBVA, BMO, BNP, COF, CIT, CFG, CMA, DFS, FITB, HBAN, KEY, MTB, MUFG, RF, STI, TD Tier 1 Risk-Based Capital Peer Group Median = 11.70% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 16.27% Peer 13 Peer 14 Peer 15 Peer 16 SHUSA Peer 17 Peer 18 Peer Group Median = 10.01% Tier 1 Leverage Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15 Santander Peer 16 Peer 17 Peer 18 SHUSA 13.73% 24

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