Fiscal 2023 Financial Performance

International Retail: Loans and Provisions MEXICO CHILE CARIBBEAN AND CENTRAL AMERICA MARKETS WITH GREATER 148 237 201 138 132 129 158 104 111 103 102 137 133 139 154 133 WEIGHTING 122 106 119 109 121 136 102 98 124 TO SECURED 91 67 65 124 148 133 124 72 78 51 93 128 108 115 95 105 73 96 45 62 71 39 46 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 PERU COLOMBIA MARKETS 466 724 715 WITH 620 GREATER 364 353 375 384 318 454 502 645 307 302 590 617 WEIGHTING 379 389 352 ΤΟ UNSECURED 274 264 273 307 309 329 451 211 203 304 317 346 289 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Loan Balances Q4/23 Spot ($Bn) % Secured PCL as a % of average net loans (bps)1 PCLs on Impaired Loans as a % of average net loans (bps)1 Mexico $20 93% Chile Caribbean & CA Peru Colombia Total² $30 $14 $11 $6 $82 79% 76% 43% 39% 73% 1 Refer to page 136 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 2 Total includes other smaller portfolios 3 Includes benefit of loss sharing agreement with partner related to credit card program 37

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