Fiscal 2023 Financial Performance

International Banking: CCA¹ FINANCIAL PERFORMANCE AND METRICS ($MM) as at Q4/23 Reported (Constant Dollar Basis)2,3 Q4/23 Q3/23 Q4/22 Q/Q² Y/Y2 Central Revenue $614 $611 $544 1% 13% America Expenses $344 $344 $344 GEOGRAPHIC DISTRIBUTION 7 18% REVENUE English Caribbean 67% Pre-Tax, Pre-Provision Profit4 $270 $267 $200 1% 35% $614MM Provision for Credit Losses $36 $27 $45 33% (21%) Net Income Attributable to Equity Holders³ $163 $164 $100 (1%) 62% Dominican Republic 15% Net Interest Margin 3,4 5.78% 5.81% 5.63% (3 bps) 15 bps Risk Adjusted Margin 4,5 5.30% 5.44% 5.02% (14 bps) 28 bps Return on Equity3,4 20.1% 20.4% 12.8% (30 bps) 732 bps Productivity Ratio 56.1% 56.5% 61.5% (41 bps) (533 bps) Central America 13% Dominican Republic 8% English Caribbean 79% NIAEH3 $163MM Effective Tax Rate 17.5% 20.0% 19.9% (247 bps) (233 bps) 17.6% 7.9% 4.9% 2021 REPORTED RETURN ON EQUITY (%) English Caribbean 1 All figures exclude wealth management 26.1% 8.5% 6.0% 2022 Dominican Republic 50.4% Central America 32% 10.1% 6.7% Dominican Republic 2023 15% Central America AVERAGE EARNING ASSETS $33Bn English Caribbean 54% 2 Current and prior period dollars, Y/Y and Q/Q growth rates (%) are on a constant dollar basis, while metrics and change in bps are on a reported basis 3 Refer to non-GAAP measures on page 20 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca 4 See non-GAAP reconciliations beginning on slide 43 5 Risk-Adjusted Margin calculated as (Net Interest Income less Provision for Credit Losses) / Average Core Earning Assets. See non-GAAP reconciliations beginning on slide 43 6 Refer to page 136 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 7 May not add due to rounding 41

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