Investor Presentaiton

Reconciliation for non-GAAP Financial Measures Caribbean and Central America: NIM and Risk Adjusted Margin ($ millions) Average total assets¹ Less: Non-earning assets Average total earning assets¹ Less: Trading Assets Caribbean and Central America Q1/22 | Q2/22 Q3/22 Q4/22 Q1/23 32,177 32,409 33,219 34,522 35,124 2,720 2,718 2,656 2,611 2,662 29,457 29,691 30,563 31,911 32,462 Securities purchased under resale agreements and securities borrowed Other deductions (A) Average core earning assets¹ Net Interest Income 12 14 16 70 81 109 3,394 3,369 3,534 3,550 3,566 26,063 26,322 26,947 28,266 28,771 321 322 357 401 412 Less: Non-core net interest income (B) Core Net Interest Income 321 322 357 401 412 Less: Provision for credit losses 40 39 51 43 35 (C) Risk Adjusted Net interest income on core earning assets 280 283 305 358 376 Net Interest Margin (B/A) 4.88% 5.02% 5.25% 5.63% 5.68% Risk Adjusted Margin (C/A) 4.27% 4.41% 4.50% 5.02% 5.19% 1 Average balances represents the average of daily balance for the period 46

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