Investor Presentaiton

APPENDIX 6 | USSF&I - ABA ABA Summary Results - Q1 2024 ($MM) Q1 24 Q4 23 Q1 23 QoQ YOY Revenues 194 187 180 4% 8% Non-Interest Expenses 65 68 61 (4%) 7% Pre-Tax / Pre-Provisions 129 119 119 8% 8% PCL 11 13 4 Net Income 93 84 91 11% 2% Avg Loans 10,345 9,918 8,559 4% 21% Avg Deposits 12,174 11,399 9,813 7% 24% Efficiency Ratio(1) (%) 33.5% 36.4% 33.9% Number of clients ('000) 2,630 2,471 2,049 6% 28% ABA Loan and Deposit Growth ($US MM) 8,985 8,482 8,153 7,842 7,252 7,045 6,819 6,607 7,634 7,381 7,032 6,696 6,325 5,924 6,061 5,572 Q2-22 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Q4-23 Q1-24 -Average Loans Average Deposits (1) Represents a supplementary financial measure. See slide 2. Solid growth in loans and deposits with client base up 28% YoY Leading digital capabilities and continued investments Revenues up 8% YoY and 4% QoQ Improving deposit margin, with strong growth in demand deposits Maintaining a low efficiency ratio of 34% Disciplined expense management while supporting business growth and network expansion ■ Solid credit position - Portfolio: 98% secured with an average LTV in the 40s Clients: diversified SMEs with an average loan size of <US$65k 24

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