Investor Presentaiton

International Retail: Loans and Provisions MEXICO CHILE CARIBBEAN & CA 1.8x 1.2x 1 1.7x Markets with Greater 2271 409 1621 191 2141,2,3 3683 550 591 Weighting to 279 321 556 457 Secured 231 208 246 228 280 191 181 248 159 155 261 160 221 238 187 81 157 178 250 267 243 218 203 251 253 150 148 154 175 190 141 163 87 54 156 138 165 170 231 221 195 204 Q2/19 Q3/19 Q4/19 Q1/20'Q2/20 Q3/20 Q4/20 Q1/21 Q2/19 Q3/19 Q4/19 Q1/20'Q2/20 Q3/20 Q4/20 Q1/21 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 PERU 2.6x 4471,2 1,161 Markets with Greater Weighting to Unsecured COLOMBIA 2.2x 4221 913 1,322 1,552 1,152 1,290 939 970 764 1,065 738 545 473 471 549 531 402 395 471 439 361 361 491 470 579 542 143 372 424 455 377 420 406 245 Q2/19 Q3/19 Q4/19 Q1/20'Q2/20 Q3/20 Q4/20 Q1/21 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 PCL as a % of avg. net loans (bps) PCLs on Impaired Loans as a % of avg. net loans (bps) Loan Balances Q1/21 Mexico Peru Chile Colombia Caribbean & CA Total 4 Secured ($B) $11 $3 $21 $2 $9 $46 Unsecured ($B) $2 $6 $5 $4 $3 $20 Spot Total ($B) $13 $9 $26 $6 $12 $66 1 PCL excludes impact of additional pessimistic scenario 2 Adjusted for acquisition-related costs, including Day 1 PCL impact on acquired performing loans 3 Excludes impact of divested operations 4 Total includes other smaller portfolios 31

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