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Investor Presentaiton

International Retail: Loans and Provisions MEXICO CHILE 550 591 321 279 Markets with 428 191 329 181 Greater 280 228 Impaired Avg. 238 248 Weighting to 173 278 bps 175 190 Secured 251 250 267 253 243 205 179 120 Q1/20 Q2/2003/2004/20 Q1/21 Q2/21 Q3/21 Q4/21 Markets with Greater Weighting to Unsecured Impaired Avg. 942 bps PERU 2,436 CARIBBEAN AND CENTRAL AMERICA 556 457 Impaired Avg. Impaired Avg. 126 bps 240 bps 326 300 261 221 212 178 81 70 62 64 231 221 204 216 195 87 67 58 170 195 170 54 31 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 COLOMBIA 1,552 1,588 1,338 Q1/20 Q2/2003/2004/20 Q1/21 Q2/21 Q3/21 Q4/21 939 1,290 1,322 1,152 1,194 738 Impaired Avg. 970 760 439 361 667 bps 579 471 1,065 542 492 143 385 764 726 406 470 395 636 245 287 534 256 361 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 PCL as a % of avg. net loans (bps)² Loan Balances Q4/21 Secured ($B) Unsecured ($B) Spot Total ($B) Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 PCLs on Impaired Loans as a % of avg. net loans (bps) 2 Average Impaired PCL % (Q1/20-Q4/21)² Mexico Peru Chile Colombia Caribbean & CA $11 $3 $19 $2 $9 $2 $5 $5 $4 $2 $13 $8 $24 $6 $11 Total³ $44 $18 $62 1 PCL excludes impact of additional pessimistic scenario 2 Refer to page 141 of the Management's Discussion & Analysis in the Bank's 2021 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 3 Total includes other smaller portfolios 34
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