Digital Banking Strength and Strategic Funding

International Banking ⚫ International Banking serves more than 11 million customers primarily in Latin America and the Caribbean with a full range of personal and commercial financial services. Core markets are the Pacific Alliance countries of Mexico, Peru, Chile and Colombia Business Mix Financial Results Asia Business Loans $MM² Q3/20 Y/Y Q/Q 57% Reported C&CA 21% REVENUE¹ $2.6B Latin 77% America Credit Cards 6% LOAN MIX1 Net Income³ $26 (96%) (85%) $157B 13% Pre-Tax, Pre Provision Profit $1,180 (21%) (4%) Personal Loans Revenue 24% $2,570 (16%) (4%) Residential Expenses $1,390 (11%) (4%) Mortgages PCLS $1,278 189% 27% 3,6 Adjusted Net Income 4.51% 4.51% ($MM) and NIM (%) Productivity Ratio 54.1% +260 bps 4.51% Net Interest Margin4 3.99% (52 bps) (29 bps) 4.28% 3.99% PCL Ratio5 3.33% +208 bps +55 bps 761 725 147 158 615 PCL Ratio Impaired Loans5 1.49% +12 bps +4 bps 59 614 567 556 197 Adjusted5 53 197 -1 52 Net Income³ $53 (93%) (73%) Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Ex. Divested Ops Medium-Term Financial Objectives Divested Ops Net Income - Ex Divested Ops.³ Pre-Tax, Pre Provision Profit $52 (91%) (73%) $1,226 (21%) (4%) Expenses $1,344 (11%) (4%) PCLS $1,278 189% 27% NIAT Growth6 Target7 9%+ Productivity Ratio 52.3% +250 bps (20 bps) PCL Ratio5 3.33% +208 bps +55 bps Productivity Ratio Operating Leverage <50% Positive 1 For the 3 months ended July 31, 2020; 2Y/Y and Q/Q growth rates (%) are on a constant dollars basis, while metrics and change in bps are on a reported basis; 3 Attributable to equity holders of the Bank; 4 Net Interest Margin is on a reported basis; 5 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures; 6 Excluding divestiture impact; 73-5 year target from 2020 Investor Day 26 PCL Ratio Impaired Loans5 1.49% +12 bps +4 bps

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