Investor Presentaiton

International Retail: Loans and Provisions Markets with Greater Weighting to Unsecured PERU COLOMBIA 2.5x 3.0x 447 1127 416 1242 1290 970 939 1552 545 549 372 473 471 531 471 439 402 491 424 470 395 361 455 579 542 420 406 377 1 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 MEXICO CHILE Caribbean & CA 2.6x 1.9x 2.5x3 Markets with Greater 216 570 157 300 1993 5073 550 591 556 Weighting to Secured 457 250 267 218 208 246 251. 321 279 159 155 160 191 187 178 157 141 228 231 238 203 163 148 190 231 221 150 154 175 156 165 138 170 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q2/19 Q3/19 Q4/19 Q1/201 Q2/20 Q3/20 Q2/19 Q3/19 Q4/19 Q1/201 Q2/20 Q3/20 PCL as a % of avg. net loans (bps) PCLs on Impaired Loans as a % of avg. net loans (bps) Loan Balances Q3/20 Mexico Peru Chile Colombia Caribbean & CA Total² Secured ($B) $10 $4 $20 $2 $10 $46 Unsecured ($B) $2 $6 $6 $5 $3 $22 Spot Total ($B) $12 $10 $26 $7 $13 $68 1PCL excludes impact of additional pessimistic scenario 2 Total includes other smaller portfolios 56 3 Excludes impact of divested operations

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