Investor Presentaiton

International Banking Constant dollar basis 1,5 $MM Q1/23 Q1/22 Y/Y1 Q4/22 Q/Q1 Reported Net Income² $654 $555 18% $655 • Pre-Tax, Pre-Provision Profit³ $1,265 $1,141 11% $1,164 9% Revenue $2,701 $2,491 8% $2,562 5% Expenses $1,436 $1,350 6% $1,398 3% PCLS $404 $291 39% $366 10% Productivity Ratio4 53.2% 53.6% (40 bps) 54.5% (130 bps) Net Interest Margin 5 4.00% 3.87% 13 bps 4.08% (8 bps) PCL Ratio4 96 bps 77 bps 19 bps 89 bps 7 bps PCL Ratio Impaired Loans4 89 bps 81 bps 8 bps 81 bps 8 bps Adjusted5 Net Income² $661 $562 18% $662 Pre-Tax, Pre-Provision Profit $1,275 $1,151 11% $1,174 9% Expenses $1,426 Productivity Ratio 52.8% $1,340 6% $1,388 3% 53.2% (40 bps) 54.1% (130 bps) REPORTED NET INCOME² ($MM) AND NIM 3.87% 3.96% 3.95% 4.08% 4.00% 555 608 644 655 654 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 • . YEAR-OVER-YEAR HIGHLIGHTS Net income² up 18% Pre-tax, pre-provision profit up 11% Revenue up 8% 。 Net interest income up 8%, driven by loan growth, as well as margin expansion o Non-interest income up 9%, mainly driven by higher net fees and commissions, capital market revenues and gains on investment securities Expenses up 6%; adjusted operating leverage 4,5 of +0.8% (reported +0.9%) NIM up 13 bps (down 8 bps Q/Q) o Margin expansion due to changes in asset mix, and higher spreads, partly offset by lower inflationary adjustments mainly in Chile Loans up 13% (up 3% Q/Q) 。 Retail up 12% Y/Y and commercial up 13% Y/Y o Retails loans up 2% Q/Q and commercial up 3% Q/Q PCL ratio of 96 bps; in line with outlook 1 Current and prior period dollars, Y/Y and Q/Q growth rates (%) are on a constant dollar basis, while metrics and change in bps are on a reported basis 2 Attributable to equity holders of the Bank, on a constant dollar basis 3 Pre-Tax, Pre-Provision Profit defined as revenues less expenses. See non-GAAP reconciliations beginning on slide 41 4 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 5 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com 10 10

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