Investor Presentaiton

International Banking $MM Q4/21 Y/Y1 Q/Q¹ Reported • Net Income² $528 116% 10% Pre-Tax, Pre-Provision Profit³ $1,058 (2%) (1%) Revenue $2,317 (3%) (1%) • Expenses $1,259 (7%) (3%) PCLS $314 (53%) (6%) • Productivity Ratio4 54.3% (160 bps) (70 bps) Net Interest Margin5 3.69% (28 bps) (3 bps) PCL Ratio4 91 bps (116 bps) (9 bps) . PCL Ratio Impaired Loans4 118 bps (40 bps) (90 bps) Adjusted5 Net Income² $535 103% 10% • Pre-Tax, Pre-Provision Profit $1,068 1% Expenses Productivity Ratio $1,249 53.9% (6%) 1% (3%) (90 bps) (70 bps) • Loans up 3% Q/Q HIGHLIGHTS1 o Pacific Alliance up 4% Q/Q Adjusted net income² of $535 million, up 10% Q/Q Pre-tax, pre-provision profit up 1% Q/Q Revenue down 1% Q/Q 。 Net interest income up 1% Q/Q o Lower capital markets revenue NIM down 3 bps Q/Q o Impact of business mix PCLs down 6% Q/Q Adjusted expenses down 3% Q/Q, driven by good expense discipline FY21 adjusted operative leverage 5 of -1.7% ADJUSTED NET INCOME² ($MM) AND NIM (%) 3.97% 4.03% 3.95% 3.72% 3.69% 398 429 493 535 283 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 1 Y/Y and Q/Q growth rates (%) are on a constant dollar basis, while metrics and change in bps are on a reported basis 2 Attributable to equity holders of the Bank 3 Pre-Tax, Pre-Provision Profit defined as revenues less expenses 4 Refer to page 141 of the Management's Discussion & Analysis in the Bank's 2021 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 5 Refer to non-GAAP measures on page 17 of the Management's Discussion & Analysis in the Bank's 2021 Annual Report, available on http://www.sedar.com 11

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