Investor Presentaiton

Strong Capital Position CET1 remains strong; CET1 ratio of 11.4% • · 11.1% +26 bps -19 bps -6 bps -6 bps -18 bps +4 bps +49 bps 11.4% Q4/19 Reported Earnings Less Dividends RWA Growth (ex. FX) Share Buybacks (Net of Issuances) Pension Regulatory Changes Other (net) Non-core Divestitures 1 Q1/20 Reported Internal capital generation Strong capital generation from earnings. Good organic RWA growth Repurchased 3.6 million common shares in Q1 2020 1 Includes the Bank's operations in Puerto Rico, US Virgin Islands, El Salvador, Colfondos, and Thanachart Bank 6

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