Digital Progress: Canada

Reconciliation for non-GAAP Financial Measures ($MM) Reported Basis Reported Basis (Constant FX) 1,3 Pre-tax, pre-provision profit FY19 FY20 FY21 FY22 Q2/21 Q2/22 Q2/23 FY19 FY20 FY21 FY22 Q2/21 Q2/22 Q2/23 Peru Revenue 2,170 2,145 1,572 1,444 381 367 409 1,973 1,970 1,682 1,529 400 388 409 Expenses 769 757 603 569 150 141 161 691 694 645 602 157 149 161 Pre-tax, pre-provision profit 1,401 1,388 969 875 231 226 248 1,283 1,276 1,037 927 243 238 248 Net income attributable to equity holders (NIAEH) NIAEH 676 314 304 383 72 94 126 626 289 332 405 76 100 126 NIM Calculation1 ($MM) Average total assets² Less: Non-earning assets Average total earning assets² Peru³ 3 2020 2021 2022 Q2/22 Q2/23 32,474 28,070 28,053 28,007 29,371 2,205 1,903 1,800 1,920 1,893 30,269 26,167 26,253 26,087 27,478 Less: Trading Assets 320 868 74 59 234 Securities purchased under resale agreements and securities borrowed Other deductions Average core earning assets² Net Interest Income 1,248 692 372 1,010 28,701 24,607 25,807 25,767 26,234 1,696 1,179 1,152 292 319 261 Less: Non-core net interest income Net interest income on core earning assets Net interest margin -1 1,696 1,178 5.91% 4.79% 1 13 1,139 4.41% 8 284 4.52% 1 318 4.97% 1 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com; 2 Average balances represents the average of daily balance for the period; 3 May not add due to rounding 89

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