Investor Presentaiton

Reconciliation for non-GAAP Financial Measures Colombia ($MM) Reported Basis Pre-tax, pre-provision profit FY19 FY20 FY21 FY22 Q3/21 Q3/22 Q3/23 FY19 Reported Basis (Constant FX) 1,3 FY20 FY21 FY22 Q3/21 Q3/22 Q3/23 Colombia Revenue 1,502 1,234 1,055 993 251 234 254 1,083 989 906 927 240 234 254 Expenses 826 790 664 663 166 159 159 592 625 568 619 159 159 159 Pre-tax, pre-provision profit 676 444 391 330 84 75 95 491 364 338 308 81 75 95 Net income attributable to equity holders (NIAEH) NIAEH ($MM) 117 (58) 69 44 12 4 (2) 86 (42) 59 Colombia³ 44 41 12 12 3 (2) NIM Calculation¹ 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 2020 2021 2022 Q3/22 Q3/23 15,398 14,537 15,117 15,285 16,284 1,906 1,668 1,688 1,670 2,053 13,492 12,869 13,429 13,615 14,231 181 114 244 128 90 66 708 650 631 639 328 12,784 12,219 12,489 12,772 13,593 Net Interest Income 808 687 619 148 149 Less: Non-core net interest income 11 2 3 Net interest income on core earning assets Net interest margin 808 687 608 146 146 6.32% 5.62% 4.87% 4.52% 4.26% 1 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca; 2 Average balances represents the average of daily balance for the period; 3 May not add due to rounding 91

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