Investor Presentaiton

Reconciliation for non-GAAP Financial Measures Caribbean and Central America: NIM and Risk Adjusted Margin ($MM) Average total assets¹ Less: Non-earning assets Average total earning assets¹ Caribbean and Central America Q3/22 Q4/22 33,219 2,656 30,563 Q1/23 Q2/23 34,522 35,124 35,372 2,611 2,662 2,547 31,911 32,462 32,825 Q3/23 34,829 2,550 32,279 Less: Trading Assets 12 14 16 16 14 Securities purchased under resale agreements and securities borrowed 70 81 109 117 134 Other deductions 3,534 3,550 3,566 3,267 3,358 (A) Average core earning assets¹ 26,947 28,266 28,771 29,425 28,773 Net Interest Income 357 401 412 430 421 Less: Non-core net interest income (B) Core Net Interest Income Less: Provision for credit losses 357 401 412 430 421 51 43 35 25 27 (C) Risk Adjusted Net interest income on core earning assets 306 358 377 405 394 Net Interest Margin (B/A) 5.25% 5.63% 5.68% 6.00% 5.81% Risk Adjusted Margin (C/A) 4.50% 5.02% 5.19% 5.65% 5.44% 1 Average balances represents the average of daily balance for the period 87 80

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