Investor Presentaiton

Net Interest Income Net Interest Income $ in billions (on a reported basis) - % Increase/(decrease) vs. Prior year (FX-adjusted): $3.4 $2.6 $2.8 $3.0 $3.1 $2.3 YOY Growth* 13% 30% 32% 36% 32% 33% Q4'19 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 WW Net Interest Yield on CM Loans** 11.3% 10.8% 10.8% 11.3% 11.2% 11.7% AM EX * Net Interest Income YoY growth rates adjusted for FX are non-GAAP measures. See Annex 5 for Net Interest Income growth rates on a GAAP basis. See Slide 2 for an explanation of FX-adjusted information. ** See Annex 6 for a reconciliation of net interest yield, a non-GAAP measure. 14 14

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