Investor Presentaiton

International Banking $MM Q1/21 Y/Y1 Q/Q¹ Reported Net Income² $389 (21%) 54% Pre-Tax, Pre Provision Profit $1,159 (7%) 4% Revenue $2,561 (10%) 1% Expenses $1,402 (11%) (2%) PCLS $525 (5%) (29%) Productivity Ratio 54.7% (100 bps) (120 bps) Net Interest Margin 4.03% (48 bps) PCL Ratio³ 149 bps (8 bps) 6 bps (58 bps) PCL Ratio Impaired Loans³ 150 bps 5 bps (8 bps) Adjusted 4 Net Income² $398 (32%) 47% Net Income - Ex Divested Ops.² $398 (24%) 47% Pre-Tax, Pre Provision Profit $1,172 (12%) 3% Expenses $1,389 (7%) (2%) PCLS $525 10% (29%) Productivity Ratio 54.2% 130 bps (60 bps) PCL Ratio4 149 bps 13 bps PCL Ratio Impaired Loans4 150 bps 13 bps (58 bps) (8 bps) 1Y/Y and Q/Q growth rates (%) are on a constant dollar basis, while metrics and change in bps are on a reported basis 2 Attributable to equity holders of the Bank 3 Includes provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 4 Refer to Non-GAAP Measures on slide 37 for adjusted results YEAR-OVER-YEAR HIGHLIGHTS1 Adjusted net income 2,4 excluding impact of divestitures -24% (+47% Q/Q) 。 PCLs up 11%, mainly from non-performing loan PCLs o Loan growth of 2% and deposit growth of 4% Q1/21 PTPP ex. divestitures down 7%; Pacific Alliance down 2%, or up 3% excluding impact of alignment of reporting period in Mexico in prior year (OML) Revenues ex. divestitures down 5% (+1% Q/Q) o Margin compression and lower non-interest income PAC revenues down 2% ex. Mexico OML (+1% Q/Q) NIM down 48 bps (+6 bps Q/Q) o Mainly driven by business mix changes, impact of liquidity and low interest rate environment Adjusted expenses ex. divestitures down 4%; adjusted Q1/21 operative leverage4 ex. divestitures of -1.2% o Up 0.4% ex. Mexico OML (+1% Q/Q) ADJUSTED NET INCOME 24 ($MM) AND NIM (%) 4.51% 615 59 4.28% 3.99% 3.97% 4.03% 398 283 556 197 53 398 1 283 197 52 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Ex. Divested Ops Divested Ops 10

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