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Reconciliation for non-GAAP Financial Measures International Banking: Return on Equity, PCLS Reported Basis ($MM) ($MM) Return on Equity FY21 FY22 Q3/23 Return on Equity FY21 Reported Basis FY22 Q3/23 English Caribbean Dominican Republic Net Income Attributable to Common 204 298 135 Shareholders Net Income Attributable to Common Shareholders 50 57 16 Total average common equity Return on Equity 1,158 1,141 1,015 17.6% 26.1% 52.6% Total average common equity 628 671 653 Return on Equity 7.9% 8.5% 9.7% ($MM) Reported Basis ($MM) Return on Equity FY21 FY22 Q3/23 Return on Equity Reported Basis Q3/22 Q2/23 Q3/23 Central America Caribbean and Central America Net Income Attributable to Common 67 83 26 Shareholders Net Income Attributable to Common Shareholders 101 Total average common equity Return on Equity 1,368 1,379 1,327 4.9% 6.0% 7.9% Total average common equity Return on Equity 172 3,319 3,376 3,105 12.1% 20.9% 20.4% 160 ($ MM) Reported Basis Q3/23 Return on Equity Mexico Peru Chile Colombia Pacific Alliance² Net Income Attributable to Common Shareholders 234 97 150 (2) 478 Total average common equity Return on Equity 3,711 2,528 25.0% 15.2% 6,118 9.7% 1,276 13,633 (0.7%) 13.9% ($MM) PCLs Caribbean and Central America Reported Basis Q3/22 Q2/23 Q3/23 51 25 27 55 Constant Dollar Basis¹ Q3/22 Q2/23 Q3/23 24 27 1 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca; 2 Countries may not add due to rounding 86 98

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