Investor Presentaiton

Other ADJUSTED NET INCOME (64) (166) 8 1, 2, 3 ($MM) 47 47 130 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 1 Represents smaller operating segments including Group Treasury and corporate adjustments 2 Attributable to equity holders of the Bank 3 Refer to Non-GAAP Measures on slide 37 for adjusted results • YEAR-OVER-YEAR HIGHLIGHTS Increase was driven by: о Lower expenses, mainly related to the metals business charge in the prior year о Higher contribution from asset/liability management activities • QUARTER-OVER-QUARTER HIGHLIGHTS Increase was driven by: о Lower expenses as a result of the investment in the SCENE loyalty program in the prior quarter о Higher investment gains 11

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