Investor Presentaiton

International Banking: CCA¹ FINANCIAL PERFORMANCE AND METRICS ($MM) Reported (Constant Dollar Basis)2,3 Q3/23 Q2/23 Q3/22 Q/Q² Y/Y² As at Q3/23 Revenue $601 $613 $556 (2%) 8% Central America Expenses $339 $340 $337 0% 1% 19% GEOGRAPHIC DISTRIBUTION 7 English Caribbean 65% REVENUE Pre-Tax, Pre-Provision Profit4 $262 $273 $219 (4%) 19% $601MM Provision for Credit Losses $27 $24 $55 9% (51%) Dominican Net Income Attributable to Equity Holders $160 $170 $105 (6%) 52% Republic 15% Net Interest Margin³ 5.81% 6.00% 5.25% (19 bps) 56 bps Risk Adjusted Margin 5 5.44% 5.65% 4.50% (21 bps) 94 bps Return on Equity³ 20.4% 20.9% 12.1% (53 bps) 831 bps Central America 14% Productivity Ratio 56.5% 55.2% 60.5% 130 bps (400 bps) Effective Tax Rate 20.0% 22.0% 20.1% (195 bps) (11 bps) Dominican Republic 9% NIAEH³ English Caribbean 77% $160MM 17.6% 7.9% 4.9% REPORTED RETURN ON EQUITY (%) 26.1% 8.5% 6.0% 52.6% Central America 32% 9.7% 7.9% Q3/23 Central America Dominican Republic 15% AVERAGE EARNING ASSETS $32Bn English Caribbean 53% 2021 English Caribbean 1 All figures exclude wealth management 2022 Dominican Republic 2 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 3 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 4 See non-GAAP reconciliations beginning on slide 83 5 Risk-Adjusted Margin calculated as (Net Interest Income less Provision for Credit Losses) / Average Core Earning Assets. See non-GAAP reconciliations beginning on slide 83 6 Refer to page 53 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 7 May not add due to rounding 34

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