Investor Presentaiton

Total Provision ($in millions) AM EX $1,233 Total Provision $1,198 $1,027 $1,055 $321 $327 Reserve Build/(Release)* $320 $778 $492 $387 $410 $871 $912 Write-offs ($33) $58 $735 $535 $352 $391 $287 ($320) Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 See Variance Commentary in the appendix section for an explanation of the provision variance versus last year. * Reserve Build/(Release) represents the portion of the provisions for credit losses for the period related to increasing or decreasing reserves for credit losses. 9

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