Investor Presentaiton

International Banking Leading P&C bank focused on high quality growth markets in Latin America and the Caribbean ⚫ International Banking operates primarily in Latin America and the Caribbean with a full range of personal and commercial financial services. Core markets are the Pacific Alliance countries of Mexico, Peru, Chile and Colombia Asia 6% Business 51% Loans 24% REVENUE1 $3.4B LOAN MIX1 70% Credit Cards 6% $153B C&CA Latin America 9% Other MEDIUM-TERM FINANCIAL OBJECTIVES Target² 2019 3,4,5 Net Income Growth6 9%+ +12% 16% Personal 27% 26% 25% Mexico Latin America Loans Peru Productivity Ratio <51% 50.5% Residential Mortgages 91% PAC Operating Leverage Positive +4.3% 17% Colombia 23% Chile STRATEGIC OUTLOOK Optimize Footprint: Continue executing with discipline announced acquisitions and divestitures to enhance the risk profile of our portfolio and improve quality of our earnings • Lead in Customer Experience and Digital: Continue accelerating our digital transformation to amplify business impact and continue deploying digital solutions to other channels to optimize our distribution model • Accelerate Growth Drivers: Leverage new strategic partnership to accelerate insurance growth, scale our Capital Markets business in the Pacific Alliance and build our Wealth business with focus in affluent customer segment 1 For the 3 months ended October 31, 2019; 23-5 year target; 3 Adjusted for Acquisition-related costs, including Day 1 PCL impact on acquired performing loans, integration and amortization costs related to current acquisitions, and amortization of intangibles related to current and past acquisitions; 4 Y/Y growth rates (%) are on a constant $ basis; 5 For the twelve months ended October 31, 2019; 6 Attributable to equity holders of the Bank 30

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