Leading Bank in the Americas Presentation

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 Business 52% Loans LOAN MIX1 Credit 7% $151B 24% REVENUE1 C&CA $3.0B 74% Cards Latin America 7% Other MEDIUM-TERM FINANCIAL OBJECTIVES Target² NIAT Growth³ 9%+ 15% Personal 26% 25% 28% Mexico Latin America Loans Peru Residential Mortgages Productivity Ratio <50% 15% Colombia 25% Chile 93% PAC Operating Leverage Positive 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 January 31, 2020; 23-5 year target from 2020 Investor Day; 3 Excluding divestitures impact 32

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