Financial Health and Performance Overview

Reconciliation for non-GAAP Financial Measures ($MM) Reported Basis Reported Basis (Constant FX) 1,3 Pre-tax, pre-provision profit FY19 FY20 FY21 FY22 Q2/21 Q2/22 Q2/23 FY19 FY20 FY21 FY22 Q2/21 Q2/22 Q2/23 Colombia Revenue Expenses Pre-tax, pre-provision profit 1,502 1,234 1,055 993 270 272 228 1,049 960 878 899 223 239 228 826 790 664 663 157 165 159 574 605 550 599 129 144 159 676 444 391 330 113 107 69 476 354 328 299 95 95 69 Net income attributable to equity holders (NIAEH) NIAEH 117 -58 69 44 19 21 -6 84 -39 57 39 17 18 -6 NIM Calculation¹ ($MM) Average total assets² Less: Non-earning assets Average total earning assets² Less: Trading Assets Securities purchased under resale agreements and securities borrowed Other deductions Average core earning assets² Colombia³ 2020 2021 2022 Q2/22 Q2/23 15,398 14,537 15,117 15,491 15,451 1,906 1,668 1,688 1,760 1,872 13,492 12,869 13,429 13,731 13,579 181 152 273 128 145 82 708 650 631 677 360 12,784 12,219 12,489 12,757 12,864 Net Interest Income 808 687 619 171 131 Less: Non-core net interest income 11 5 Net interest income on core earning assets Net interest margin 808 687 6.32% 5.62% 608 166 131 4.87% 5.34% 4.16% 1 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com; 2 Average balances represents the average of daily balance for the period; 3 May not add due to rounding 91

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