Embracing Fintech

International Retail: Loans and Provisions 428 MEXICO CHILE CARIBBEAN AND CENTRAL AMERICA Markets with Greater 329 280 181 248 326 300 261 173 81 Weighting to 138 253 243 111 129 70 70 62 221 212 237 62 64 57 51 62 67 65 139 154 205 179 87 204 216 195 Secured 120 122 195 102 72 54 67 58 45 170 31 39 46 133 124 108 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 PERU COLOMBIA Markets with 2,436 Greater Weighting to 1,322 1,152 1,194 738 Unsecured 760 361 1,065 364 353 318 143 764 726 385 A 492 1,588 1,338 352 309 329 636 534 245 287 289 304 317 211 274 203 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 256 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 PCL as a % of avg. net loans (bps)1 Loan Balances Q3/22 Spot ($Bn) % Secured PCLs on Impaired Loans as a % of avg. net loans (bps)1 Mexico Peru Chile Colombia $15 88% $9 $26 $6 42% 80% 36% Caribbean & CA Total² $12 $68 76% 72% 1 Refer to page 51 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 2 Total includes other smaller portfolios 47

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