Trading Results & Economic Outlook

International Retail: Loans and Provisions Markets with Greater MEXICO 1.8x 228 4011 550 591 CHILE Caribbean & CA 1.4x 1.7x 157 2161 2212,3 3671,3 Weighting to Secured 556 457 280 233 231 208 246 228 279 321 155 159 155 191 187 221 160 181 170 157 178 250 267 141 199 218 203 251 253 238 163 150 120 148 154 175 190 87 138 156 170 165 138 231 221 195 Q1 Q2 Q3 Q4 2019 Q11 Q2 Q3 Q4 2020 70 Q1 Q2 Q3 2019 Q4 Q11 Q2 Q3 Q4 Q1 Q22 Q3 Q4 2020 Q1 Q2 2019 Q3 2020 60 Q4 PERU COLOMBIA 2.4x 2.1x 4222 1,0021 435 9101 Markets with 1,552 Greater 1,322 Weighting to Unsecured 1,290 970 764 939 738 517 545 554 549 531 402 473 471 395 471 439 361 491 470 579 542 143 364 372 424 485 455 377 420 406 Q1 2019 Q2 Q3 Q4 Q11 Q2 Q3 Q4 2020 Q1 Q2 Q3 Q4 Q11 Q2 Q3 Q4 2019 2020 PCL as a % of avg. net loans (bps) PCLs on Impaired Loans as a % of avg. net loans (bps) Loan Balances Q4/20 Mexico Peru Chile Colombia Caribbean & CA Total4 Secured ($B) $11 $3 $20 $2 $10 $46 Unsecured ($B) $2 $6 $5 $4 $3 $21 Spot Total ($B) $13 $9 $25 $6 $13 $67 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 17

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