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Investor Presentaiton

Reconciliation for non-GAAP Financial Measures Chile ($MM) Pre-tax, pre-provision profit FY19 FY20 Reported Basis Reported Basis (Constant FX) 1,3 FY21 FY22 Q3/21 Q3/22 Q3/23 FY19 FY20 FY21 FY22 Q3/21 Q3/22 Q3/23 Chile Revenue Expenses 2,385 2,066 1,151 963 2,147 933 2,112 534 853 514 227 209 621 254 2,017 2,029 2,080 2,296 528 585 621 975 928 904 927 225 237 254 Pre-tax, pre-provision profit 1,234 1,103 1,214 1,259 308 305 367 1,042 1,101 1,176 1,369 303 348 367 Net income attributable to equity holders (NIAEH) NIAEH 443 302 612 843 159 228 150 375 301 597 921 157 262 150 ($MM) Chile³ NIM Calculation1 Average total assets² Less: Non-earning assets Average total earning assets² Less: Trading Assets Securities purchased under resale agreements and securities borrowed Other deductions Average core earning assets² Net Interest Income 2020 2021 2022 Q3/22 Q3/23 64,640 63,103 64,297 64,692 76,281 13,119 10,486 11,638 12,619 12,862 51,521 52,617 52,659 52,073 63,419 847 811 592 504 516 134 269 238 869 Less: Non-core net interest income Net interest income on core earning assets Net interest margin 761 824 591 1,359 49,805 51,045 51,109 50,709 61,306 1,415 1,507 1,596 413 490 16 12 (37) 6 1,399 1,496 1,633 407 498 2.81% 2.93% 3.20% 3.19% 3.22% (8) 1 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca; 2 Average balances represents the average of daily balance for the period; 3 May not add due to rounding 90 90
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