Investor Presentaiton

International Banking $MM1 Q1/20 Y/Y Q/Q Reported Net Income² $518 (29%) (23%) Pre-Tax, Pre Provision Profit $1,321 (10%) (11%) • Revenue $2,985 (2%) (5%) Expenses $1,664 +6% PCLs $580 +30% Productivity Ratio 55.7% +360 bps +17% +270 bps • Net Interest Margin³ 4.51% (3 bps) • PCL Ratio4 1.57% +28 bps +22 bps PCL Ratio Impaired Loans4 1.45% +21 bps +18 bps Adjusted 5 Net Income² $615 (17%) (15%) YEAR-OVER-YEAR HIGHLIGHTS1 Adjusted Net Income ex. divestitures down 4%2,5 о Tax benefits in Mexico last year Revenues ex. divestitures up 4% Margin compression in Mexico and Chile Gain from foreclosed asset sale last year Strong loan growth - Pacific Alliance up 10% NIM down 3 bps³ Adjusted Expenses ex. divestitures up 5% Impact of acquisitions in Peru and Dominican Republic Adjusted Operating leverage of -0.8%5 ex. divestitures Net Income Ex Divested $560 (4%) (1%) Ops.2 Pre-Tax, Pre Provision Profit $1,404 (7%) (10%) ADJUSTED NET INCOME²,5 ($MM) AND NIM³ (%) Expenses $1,581 +3% (1%) 4.54% 4.62% 4.51% 4.51% 4.51% PCLS $503 +12% +2% 743 723 762 725 615 Productivity Ratio 52.9% +200 bps +250 bps 159 141 156 154 55 PCL Ratio4 1.36% +7 bps +1 bp 584 567 621 571 560 PCL Ratio Impaired Loans4 1.37% +13 bps +10 bps Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 1Y/Y and Q/Q growth rates (%) are on a constant dollars basis, while metrics and change in bps are on a reported basis 2 Attributable to equity holders of the Bank 3 Net Interest Margin is on a reported basis 4 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 5 Refer to Non-GAAP Measures on Slide 36 for adjusted results Ex. Divested Ops Divested Ops 8

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