Investor Presentaiton

International Banking Leading P&C bank focused on high quality growth markets in Latin America and the Caribbean ⚫ International Banking operates 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 Asia 6% Business 51% Loans 24% REVENUE¹ $3.4B LOAN MIX1 70% Credit Cards 6% $153B C&CA Latin America 9% Other MEDIUM-TERM FINANCIAL OBJECTIVES Target² NIAT Growth³ 9%+ 16% Personal 27% 26% 25% Mexico Latin America Loans Peru Residential Mortgages Productivity Ratio <50% 91% PAC Operating Leverage Positive 17% Colombia 23% Chile STRATEGIC OUTLOOK Optimize Footprint: Continue executing with discipline announced acquisitions and divestitures to enhance the risk profile of our portfolio and improve quality of our earnings • Lead in Customer Experience and Digital: Continue accelerating our digital transformation to amplify business impact and continue deploying digital solutions to other channels to optimize our distribution model ⚫ Accelerate Growth Drivers: Leverage new strategic partnership to accelerate insurance growth, scale our Capital Markets business in the Pacific Alliance and build our Wealth business with focus in affluent customer segment 1 For the 3 months ended October 31, 2019; 23-5 year target from 2020 Investor Day; 3 Excluding divestitures impact 32

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