Embracing Fintech

International Banking Business Loans 56% Credit Cards Q3/22 Loan 5% America Mix¹ Auto 1% 10% $155B International Banking has a strong and diverse franchise with more than 10 million Retail, Corporate and Commercial customers. International Banking continues to offer significant potential for the Bank, with a geographical footprint encompassing the Pacific Alliance countries of Mexico, Colombia, Peru and Chile as well as Central America and the Caribbean. Business Mix Asia 2% Q3/22 Revenue 78% Latin Mix 20% $2.4B Strategic Focus Deepening relationships with the Affluent Retail segment Continue driving efficiencies and customer experience by leveraging Digital Financial Results C&CA Personal Loans 27% $MM Q3/22 Q3/21 Constant dollar basis²,6 Y/Y² Q2/22 Q/Q² Residential Mortgages Reported Net Income³ $625 $481 30% $598 5% Reported Net Income³ ($MM) and NIMⓇ (%) Pre-Tax, Pre Provision $1,124 $1,051 7% $1,126 Profit4 3.86% 3.72% 3.69% 3.76% 3.85% Revenue $2,419 $2,351 3% $2,383 2% Expenses $1,295 $1,300 $1,257 3% PCLS $325 $343 (5%) $273 19% 605 625 486 528 545 Productivity Ratio5 Net Interest Margin 53.5% 55.0% (150 bps) 52.7% 80 bps 3.85% 3.72% 13 bps 3.86% (1 bp) Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 PCL Ratio 5,7 PCL Ratio Impaired Loans 5,7 84 bps 100 bps (16 bps) 77 bps 7 bps 68 bps 208 bps (140 bps) 77 bps (9 bps) Medium-Term Financial Objectives Adjusted5 Target³ Net Income Growth 3,6 Productivity Ratio6 Operating Leverage6 9%+ Net Income³ Pre-Tax, Pre Provision $631 $488 30% $1,134 $1,061 7% <50% Positive 54.6% 52.2% 1 May not add due to rounding; 2Y/Y and Q/Q growth rates (%) are on a constant dollars basis, while metrics and change in bps are on a reported basis; 3 Net income attributed to equity shareholders; 4 Pre-Tax, Pre- Provision Profit defined as revenues less expenses; 5 Refer to page 51 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 6 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 Report to Shareholders, available on http://www.sedar.com; 7Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures; 8 3-5 year target from 2020 Investor Day 28 Profit Expenses Productivity Ratio $1,285 $1,290 $605 $1,136 $1,247 5% 3% 53.2% (140 bps) 100 bps

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