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Appendix: Normalised Financials Bank ABC US$ millions 2018 2019 2020 2021 H1 2021 H1 2022 Interest Income 559 564 516 592 260 370 Non-Interest Income* 309 311 233 277 140 149 Total Operating Income (TOI)* 868 875 749 869 400 519 Profit or loss Total Operating Expenses -474 -524 -486 -569 -253 -331 Operating Profit 394 351 263 300 147 188 Provisions -79 -82 -329 -106 -49 -51 Profit before Taxes & M.I. 315 269 -66 194 98 137 Taxes* -67 -33 -9 -66 -29 -41 M.I. -46 -42 -14 -28 -14 -26 Net Profit 202 194 -89 100 55 70 US$ millions 2018 2019 2020 2021 June 2021 June 2022 Liquid Funds✶✶ 6,266 5,323 5,378 6,355 4,693 5,582 Marketable Securities 6,638 6,343 6,867 9,252 7,735 8,365 Loans & Advances 14,884 16,452 15,656 16,768 15,930 17,022 Other 1,761 1,950 2,506 2,522 2,581 3,317 Total Assets 29,549 30,068 30,407 34,897 30,939 34,286 Customer Deposits 16,464 17,065 17,667 21,459 18,313 20,993 Balance Sheet Bank Deposits 4,207 3,897 3,596 4,388 3,852 3,712 Borrowing 2,012 2,080 1,795 1,211 1,613 1,244 Other 2,550 2,537 3,205 3,604 2,879 3,832 Total Liabilities 25,233 25,579 26,263 30,662 26,657 29,781 Shareholders' Equity 3,862 4,031 3,767 3,872 3,890 3,715 Non-Controlling Interest 454 458 377 363 392 400 Additional / Perpetual Tier-1 Capital 390 Total Equity 4,316 4,489 4,144 4,235 4,282 4,505 Total Liabilities & Equity 29,549 30,068 30,407 34,897 30,939 34,286 Normalized Cost to Income, % 55% 60% 65% 65% 63% 64% Key Metrics Tier 1 Ratio, % 17.2% 16.9% 16.6% 15.9% 16.4% 16.6% CET 1, % 17.0% ROAE,% 5.2% 16.6% 4.9% 16.2% 15.5% 16.1% 14.7% 2.6% 2.9% 3.5% * TOI and taxes includes normalization of BRL currency overhedge. Headline TOI 2018 $817m, 2019 $865m, 2020 $646m, 2021 $854m, H1 2021 $407m and H1 2022 $520m. ** Liquid funds includes placements with banks & other financial institutions and securities bought under repurchase agreements. 11

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