Colombian Economy & Banking Sector Analysis

Business Lines Activity Business Line Products Personal & Commercial Banking Canadian Banking • Mortgages Auto Loans Commercial Loans Personal Loans Credit Cards International Banking • Mortgages Auto Loans Commercial Loans • Personal Loans • Credit Cards Wealth Management Global Wealth Management • Asset Management Private Banking Private Investment Counsel • Brokerage Capital Markets Global Banking and Markets • Corporate Banking Advisory Equities Fixed Income Foreign Exchange • Commodities ⚫ Trust NIAEH¹ ($MM) $1,389 $812 $632 $974 % All-Bank¹ 36% 21% 17% 26% % Target 35-40% 25-30% ~15% 15-20% Productivity 46.7% 52.7% 62.2% 46.5% Ratio¹ ROE1 16.7% 8.3% 13.8% 14.7% Employees² 18,755 52,318 7,237 2,412 1 Adjusted figures for the 6 months ended April 30, 2020 2 As at April 30, 2020 7

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