Trading Results & Economic Outlook

Digital Progress Surpassed medium-term goal of <10% In-Branch Financial Transactions at All-Bank level. Delivered >50% in Digital Sales in the Pacific Alliance region New Canadian mobile app with simplified layouts, improved discoverability, and enhanced analytics to drive user experience Improving Customer Pulse scores in our digital channels. Peru reached record levels in digital with 70%+ in October Launched new digital account opening solutions across all markets integrating Digital and Physical experiences, greatly reducing processing time The Banker INNOVATION IN DIGITAL BANKING AWARDS 2020 Winner North America σ #1 Ranked #1 in Customer Satisfaction with Online Banking by J.D. Power Digital Retail Sales¹ +2,500 bps 36 28 22 15 11 Digital Adoption² In-Branch Financial Transactions³ +2,200 bps -1,800 bps 48 26 23 39 20 33 29 16 26 8 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 Goal >50% Goal >70% Goal <10% 1 Canada: F2017 22%, F2018 26%, F2019 26%, F2020 16% PACS: F2017 13%, F2018 19%, F2019 29%, F2020 51% 2 Canada: F2017 36%, F2018 38%, F2019 42%, F2020 50% PACS: F2017 20%, F2018 26%, F2019 35%, F2020 46% 3 Canada: F2017 17%, F2018 15%, F2019 12%, F2020 7% PACS: F2017 29%, F2018 24%, F2019 19%, F2020 9% 38

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