Investor Presentaiton

Reconciliation for non-GAAP Financial Measures Pacific Alliance: NIM and Risk Adjusted Margin ($ millions) Average total assets¹ Pacific Alliance Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Less: Non-earning assets Average total earning assets¹ 147,550 14,998 154,649 157,441 161,526 170,840 17,638 18,427 132,552 137,011 139,014 18,640 18,071 142,886 152,769 Less: Trading Assets 5,287 4,376 4,795 5,314 5,061 Securities purchased under resale agreements and securities borrowed 200 145 470 444 605 Other deductions 2,052 2,027 1,796 2,295 2,867 (A) Average core earning assets¹ 125,013 130,463 131,953 134,833 144,236 Net Interest Income 1,254 1,277 1,281 1,278 1,334 Less: Non-core net interest income 12 (4) 12 (30) (50) (B) Core Net Interest Income 1,242 1,281 1,269 1,308 1,384 Less: Provision for credit losses 220 230 261 298 350 (C) Risk Adjusted Net interest income on core earning assets 1,021 1,051 1,009 1,010 1,034 Net Interest Margin (B/A) 3.94% 4.03% 3.82% 3.85% 3.81% Risk Adjusted Margin (C/A) 3.24% 3.30% 3.03% 2.97% 2.84% 1 Average balances represents the average of daily balance for the period 45

View entire presentation