Slide 1: Investor Presentation
Investor Presentation May 27, 2026 Meny Grauman, Senior Vice President (meny.grauman@scotiabank.com) Rebecca Hoang, Vice President (rebecca.hoang@scotiabank.com)
Slide 2: Caution Regarding Forward-Looking Statements
Caution Regarding Forward-Looking Statements Forward-looking Statements From time to time, our public communications include oral or dispositions, including obtaining regulatory approvals; critical accounting estimates and the written forward-looking statements. Statements of this type are included
Slide 3: Opening Remarks
Opening Remarks Scott Thomson President & CEO 3
Slide 4: All Bank Highlights
All Bank Highlights EXPANDING NIM1 AND NIR • Medium-term objectives met IMPROVING EFFICIENCY GROWTH o EPS growth: up 35% Y/Y; adjusted1 up 33% Y/Y 14% 17% 1 13% 4% 7% 59.4% o Strong capital position: 13.3% CET13 (3%) o Positive operating leverage2 56.3% 54.9% • ROE2 tracking ahead of Investor Day ex
Slide 5: Business Line Highlights
Business Line Highlights STRATEGIC HIGHLIGHTS • Canadian Banking: o Pre-tax pre-provision1 earnings up 13% Y/Y o NIM1 up 4 bps Q/Q, 4th sequential increase Earn primary Grow and scale in o Productivity ratio2 of 46.5%; Y/Y improvement of 230 client relationships priority businesses bps o Positive ye
Slide 6: AI in Action Across the Bank
AI in Action Across the Bank Scotia Intelligence – the bank’s unified platform for turning Data & AI into enterprise decisions at scale… Elevate Client Experience Deliver Speed and Efficiency Enhance Risk Management • Customer facing teams providing • Mortgage document review and • Validation of cus
Slide 7: Progress on Strategy - Business Mix Evolution
Progress on Strategy - Business Mix Evolution Loan mix shift • Canadian Commercial loan growth of 2% Y/Y with momentum expected to accelerate in future quarters supported by a strong pipeline • Canadian Banking mortgages grew in line with our strategy to grow multi product relationships • Single pro
Slide 8: Q2/26 Overview
Q2/26 Overview Raj Viswanathan Group Head & CFO 8
Slide 9: Q2 2026 Financial Performance
Q2 2026 Financial Performance Y/Y Y/Y HIGHLIGHTS (ex. $MM, except EPS Q2/26 Y/Y Q/Q Divestitures1,2) • Diluted EPS up 35%; adjusted2 up 33% Reported o Strong PTPP2 growth, and lower performing PCLs, partly offset Net Income 2,632 30% 14% 30% by higher taxes Diluted EPS 2.00 35% 16% • Revenue up 8%;
Slide 10: Strong Capital Position
Strong Capital Position Q/Q CHANGE IN CET1 RATIO (%)1 • The CET1 ratio of 13.3%, unchanged Q/Q: • Strong internal capital generation offset by model parameter updates and share repurchases of 6.4 million shares during the quarter • Repurchased 22.1 million shares since Q3/25 8 bps 24 bps 13.3% 1,328
Slide 11: Canadian Banking
Canadian Banking $MM Q2/26 Y/Y Q/Q Y/Y HIGHLIGHTS Reported • Net Income up 53% Net Income1 935 53% (3%) o PTPP2 growth of 13% and lower PCLs Revenue 3,483 8% (1%) • Revenue up 8% Expenses 1,620 3% 0% o NII up 7%; loan growth and margin expansion Pre-Tax, Pre-Provision Profit2 1,863 13% (2%) o NIR up
Slide 12: Global Wealth Management
Global Wealth Management $MM Q2/26 Y/Y Q/Q Y/Y HIGHLIGHTS Reported • Net Income up 19% Net Income1 474 19% (2%) o Canadian earnings up 20% Revenue 1,760 14% (2%) o International earnings up 12% Expenses 1,116 12% (3%) • Revenue up 14% Pre-Tax, Pre-Provision Profit2 644 18% (2%) o Higher mutual fund
Slide 13: Global Banking and Markets
Global Banking and Markets $MM Q2/26 Y/Y Q/Q Y/Y HIGHLIGHTS Reported • Net Income up 11% Net Income1 457 11% (16%) • Revenue up 9% Revenue 1,592 9% (10%) o Capital Markets up 25% Expenses 965 10% (5%) o Business Banking down 7% Pre-Tax, Pre-Provision Profit2 627 8% (17%) • Expenses up 10% PCLs 38 (5
Slide 14: International Banking
International Banking Constant dollar CFX Ex. Y / Y H I G H L I G H T S ( C O N S T A N T D O L L A R 2) basis2 divestitures2 $MM Q2/26 Y/Y Q/Q Y/Y Q/Q Y/Y Q/Q • Net Income up 1%; up 3% ex. divestitures Reported • Revenue down 7%; up 7% ex. divestitures Net Income1 701 4% (2%) 1% (2%) 3% (2%) • NIM2
Slide 15: Other
Other REPORTED NET INCOME (LOSS)1 ($MM) HIGHLIGHTS • Reported net income of $28 million 28 • Adjusted2 net income of $35 million, up $76 million Q/Q o Higher revenues partly offset by higher non- interest expenses (125) (416) Q2/25 Q1/26 Q2/26 ADJUSTED NET INCOME (LOSS)2 ($MM) 35 (41) (80) Q2/25 Q1/
Slide 16: Risk Review
Risk Review Shannon McGinnis Chief Risk Officer 16
Slide 17: Allowance for Credit Losses
Allowance for Credit Losses TOTAL ACLS1 ($MM) AND ACL RATIO2 HIGHLIGHTS • Total ACL ratio of 96 bps, up 2 bps Q/Q 95 bps 96 bps 98 bps 96 bps 94 bps o Performing allowances were $4.9 Bn, up $38 MM Q/Q (+$77 MM ex. F/X) primarily due to unfavourable macroeconomic outlook in 7,386 7,654 7,344 7,276 7,
Slide 18: Gross Impaired Loans and Net Write-offs
Gross Impaired Loans and Net Write-offs GILS ($MM) AND GIL RATIO1 GIL FORMATIONS ($MM) 99 bps 2 2,662 93 bps 95 bps 2,611 22 90 bps 90 bps 2,447 17 2,483 40 5 2,285 17 1 231 482 7,608 178 157 25 72 7,244 7,248 96 91 6,849 6,890 92 79 83 86 58 221 1,006 43 259 1,050 1,042 1,063 854 108 2,248 2,013 2,
Slide 19: Provision for Credit Losses
Provision for Credit Losses $MM Q/Q HIGHLIGHTS $MM Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 All-Bank • Total PCL ratio1 of 66 bps, up 5 bps Q/Q Impaired 1,052 975 1,042 1,103 1,129 Performing o All bank up 6 bps Q/Q ex. divestitures 346 66 71 73 88 Total 1,398 1,041 1,113 1,176 1,217 o Performing of 5 bps, up
Slide 20: Appendix
1 2 Appendix 3 4 5 20
Slide 21: All Bank: Impact of Closed Divestitures
All Bank: Impact of Closed Divestitures1 • On December 1, 2025, the Bank completed the previously announced sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. o The transaction impacted both International Banking and Global Wealth Management • On February 28,
Slide 22: International Banking: Impact of Closed Divestitures
International Banking: Impact of Closed Divestitures1 • On December 1, 2025, the Bank completed the previously announced sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. • On February 28, 2025, the Bank completed the sale of CrediScotia Financiera S.A. (Cred
Slide 23: Strong Balance Sheet Metrics
Strong Balance Sheet Metrics $Bn (unless indicated otherwise) Q2/25 Q1/26 Q2/26 Y/Y 1 Capital Metrics CET1 Ratio 13.2% 13.3% 13.3% 10 bps Tier 1 Capital Ratio 15.4% 15.4% 15.4% 0 bps Total Capital Ratio 17.1% 17.0% 17.0% (10 bps) TLAC Ratio 30.3% 28.6% 28.6% (170 bps) Leverage Ratio 4.5% 4.4% 4.3% (
Slide 24: Net Interest Income and Net Interest Margin
Net Interest Income and Net Interest Margin CORE NET INTEREST MARGIN (NIM)1 HIGHLIGHTS • Net interest income (NII) 4 bps 1 bp o Q/Q: down 1% 2 bps (1 bp) • Impact of three fewer days, partly offset by higher NIM o Y/Y: up 5%; up 10% ex. divestitures • Higher NIM, and the positive impact of FX • NIM
Slide 25: Risk Adjusted Margin and NIM
Risk Adjusted Margin and NIM RISK ADJUSTED MARGIN (RAM)1 NET INTEREST MARGIN (NIM)1 3.39% 3.41% 3.40% 4.76% 3.35% 3.34% 4.50% 4.54% 4.54% 4.54% 1.93% 1.94% 1.95% 1.96% 2.45% 2.49% 2.36% 2.40% 1.87% 1.86% 1.86% 2.31% 1.72% 1.89% 2.36% 1.83% 1.85% 2.32% 1.82% 2.27% 2.29% 2.30% 1.58% 1.70% 2.14% 2.03%
Slide 26: KeyCorp Earnings Contribution
KeyCorp Earnings Contribution KEYCORP $MM (unless otherwise stated) Q3/25 Q4/254 Q1/26 Q2/26 Financial Statement Line 1 BNS share of KeyCorp Earnings 80 94 98 99 Income from Investments in Associate Purchase Accounting Impact, pre-tax2 23 23 24 24 Income from Investments in Associate Equity pick-up,
Slide 27: Interest Rate Sensitivity and Outlook
Interest Rate Sensitivity and Outlook NET INTEREST INCOME SENSITIVITY1 POLICY RATE CHANGE AND OUTLOOK3 • Impact of an immediate and sustained 100 bps parallel shift on Policy net interest income (NII) over a 12-month period rate Rate Change by BNS Fiscal Quarters (bps) Current Forecast Policy Rate C
Slide 28: GDP in Core Markets
GDP in Core Markets REAL GDP (ANNUAL % CHANGE) Forecast1 2010-20 2026 2027 Country 2023 2024 2025 Average Q1E2 Q2F Q3F Q4F Full Year Q1F Q2F Q3F Q4F Full Year Canada 1.6 2.0 2.0 1.7 0.5 1.2 1.3 1.9 1.3 2.0 2.1 1.9 2.0 2.0 U.S. 2.0 2.9 2.8 2.1 2.7 1.9 1.2 1.5 1.9 1.6 2.0 2.3 2.5 2.1 Mexico 1.4 3.1 1.
Slide 29: Digital Progress
Digital Progress DIGITAL PROGRESS CANADIAN BANKING Canadian Banking D I G I T A L U N I T A C T I V E D I G I T A L D I G I T A L A C T I V E M O B I L E S A L E S ( % ) U S E R S ( M M ) A D O P T I O N ( % ) U S E R S ( M M ) • Driving simpler, end-to-end digital journeys while sustaining strong m
Slide 30: Revenue Growth
Revenue Growth CANADIAN BANKING1 INTERNATIONAL BANKING1 in $MM in $MM Constant FX ex. divestiture2: +7% Y/Y +8% (3%) 3,235 3,514 3,483 2,961 2,959 2,859 9% 127 9 0 11 941 918 381 7 1% 839 Y/Y 569 553 546 Y/Y 7% 2,395 2,573 2,565 Y/Y 2,024 2,256 2,295 13% Y/Y Q2/25 Q1/26 Q2/26 Q2/25 Q1/26 Q2/26 Retai
Slide 31: Non-Interest Expense
Non-Interest Expense NON-INTEREST EXPENSE HIGHLIGHTS $MM Q2/26 Y/Y Q/Q Y/Y Salaries and Benefits 1,978 1% 0% • Reported up 2% Performance-based Compensation 719 20% (3%) • Adjusted2 up 2%; up 7% ex. divestitures Share-based Compensation 82 (4%) (63%) o Higher personnel costs, technology, advertising
Slide 32: Average Loans by Business Line
Average Loans by Business Line CANADIAN BANKING1 INTERNATIONAL BANKING1 GLOBAL BANKING AND MARKETS in $Bn In $Bn Constant FX2 ex. divestitures: (2%) Y/Y in $Bn +3% (10%) (4%) 470 473 459 168 160 93 95 151 93 9 10 9 74 74 85 74 78 72 9 8 7 96 92 91 20 19 18 283 293 295 55 55 54 Q2/25 Q1/26 Q2/26 Q2/2
Slide 33: Average Business Banking Loans
Average Business Banking Loans CANADIAN BANKING3 INTERNATIONAL BANKING3 GLOBAL BANKING AND MARKETS3 in $Bn In $Bn Constant FX1 ex. divestitures: (8%) Y/Y in $Bn 1% (15%) (4%) 93 94 94 93 95 85 96 94 93 82 82 91 92 78 72 22 (15%) 22 20 20 19 Y/Y 59 59 58 58 59 0% Y/Y 54 53 53 50 47 (14%) Y/Y (1%) 74
Slide 34: Canadian Small Business Banking
Canadian Small Business Banking AVERAGE SMALL BUSINESS DEPOSITS ($BN) AVERAGE SMALL BUSINESS LOANS ($BN) 3% 3-yr CAGR 9% 3-yr CAGR 14 41 13 40 11 10 38 10 38 37 2022 2023 2024 2025 Q2/26 2022 2023 2024 2025 Q2/26 EXECUTION STRATEGY & FINANCIAL HIGHLIGHTS • Small business banking provides support to
Slide 35: Deposits
Deposits AVERAGE DEPOSITS BY SEGMENT6 Q2/26 AVERAGE DEPOSIT MIX in $Bn CB IB GBM GWM Notice - Term - Business 2 Business 3 730 732 733 723 10% 17% 706 Demand- 682 Personal 1 5% 378 379 372 369 340 367 Demand - $723 Bn Business 1 Notice - 125 130 130 126 125 Personal 2 130 33% 18% 182 172 176 178 182
Slide 36: Macroeconomic Scenarios
Macroeconomic Scenarios SELECT MACROECONOMIC VARIABLES USED TO ESTIMATE EXPECTED CREDIT LOSSES Alternative Scenario – Alternative Scenario – Alternative Scenario – Next 12 Months Base Case Scenario Optimistic Pessimistic Very Pessimistic Q2/26 Q1/26 Q2/26 Q1/26 Q2/26 Q1/26 Q2/26 Q1/26 Canada Real GD
Slide 37: Macroeconomic Scenarios
Macroeconomic Scenarios The following charts provide a quarterly breakdown of key macroeconomic variables used for our base case scenarios to calculate the modelled estimate for the allowance for credit losses. CANADA REAL GDP U.S. REAL GDP 3.0 29.0 CAD, trillions (ch. $2017) USD, trillions (ch. $20
Slide 38: PCL on Impaired Loans
PCL on Impaired Loans1 ALL BANK ($MM, BPS) CANADIAN BANKING ($MM, BPS) 61 bps 57 bps 58 bps 54 bps 51 bps 44 bps 47 bps 39 bps 45 bps 41 bps 1,103 1,129 1,052 1,042 553 516 975 488 447 472 Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 • Impaired PCLs up 3 bps Q/Q due mainly to one acco
Slide 39: Canadian Retail Portfolio
Canadian Retail Portfolio COMMENTARY PCLS BY PRODUCT • Total Canadian retail loans of $404 Bn MORTGAGES 15 o ~53% of total gross loans and acceptances 5 6 4 3 4 3 o ~94% of the portfolio is secured 2 • Portfolio 90+ day delinquency was 37 bps, down 2 bps Q/Q 3 4 4 2 3 o Credit Cards and Lines of Cre
Slide 40: Canadian Residential Mortgages
Canadian Residential Mortgages in $Bn (Spot)1 LOAN-TO-VALUE2 Insured Variable 23% 36% 59% 58% 58% 57% 57% $315 $315 56% 55% 54% 52% 52% Uninsured Fixed 77% 64% Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 Total Variable Asset yields on variable rate mortgages reprice with each change to Scotiabank’s prime rate UNI
Slide 41: Canadian Residential Mortgages
Canadian Residential Mortgages MORTGAGE PORTFOLIO1 in $Bn (Spot) Freehold Condos 174.3 Freehold 27.1 82% 64.7 $315 147.2 21.3 32.2 22.2 4.0 3.3 12.3 0.3 9.3 0.7 43.4 28.2 8.6 Condo 18.9 12.0 18% Ontario BC & Territories Alberta Quebec Atlantic Provinces Manitoba & Saskatchewan % of portfolio 55.3% 2
Slide 42: International Banking Retail Portfolio
International Banking Retail Portfolio COMMENTARY PCLS BY COUNTRY • Total International retail loans of $79 Bn MEXICO o ~10% of total gross loans and acceptances 231 211 208 185 201 204 206 o ~77% of the portfolio is secured 129 • Portfolio 90+ day delinquency was 3.25%, down 6 bps Q/Q 196 207 181 1
Slide 43: Business & Government Portfolio
Business & Government Portfolio COMMENTARY GROSS IMPAIRED LOANS AND PCL RATIO1 • Total Business and Government loans of $272 Bn 59 o ~36% of total gross loans and acceptances 47 42 36 37 o Well-diversified by industry and geography 3,729 o 48% Canadian and 52% Non-Canada 3,210 3,183 3,270 3,230 • 52
Slide 44: Non-Bank Financial Institution (NBFI)
Non-Bank Financial Institution (NBFI) DISCIPLINED FRAMEWORK ENSURES ROBUST MANAGEMENT OF NBFI EXPOSURES Overall, a well diversified portfolio, with detailed due diligence, strong controls and continuous monitoring in place Wholesale and NBFI Composition retail Real estate 4% Credit cards 8% 2% Other
Slide 45: Commercial Real Estate
Commercial Real Estate Portfolio comprised of Commercial Real Estate, and Contractor loans which include Engineering & Project Management and Trade Contractors SPOT LOANS OUTSTANDING1 HIGHLIGHTS Q2/25 Q1/26 Q2/26 Total Portfolio: $57.7Bn • ~7.5% of the Bank’s total loans Y/Y: (7%) • Geographically d
Slide 46: Trading Revenue and VaR
Trading Revenue and VaR1 NO TRADING LOSS DAY (Q2/26) 3-months ending April 30, 2026 Average Total VaR: (in millions) Q2/26: $ 9.3 MM Q1/26: $ 11.2 MM Q2/25: $ 14.1 MM 50 40 30 20 10 0 Feb 2, Mar 2, Apr 1, Apr 30, 2026 2026 2026 2026 -10 -20 Revenue Total VaR 1. Refer to Glossary on page 64 for the d
Slide 47: International Banking: Mexico
International Banking: Mexico1 MEXICO $MM (unless otherwise specified) Reported Basis Reported Basis (Constant FX)2 Q2/25 Q1/26 Q2/26 Y/Y Q/Q Q2/25 Q1/26 Q2/26 Y/Y Q/Q Revenue 760 882 900 18% 2% 830 896 900 8% 0% Expenses 401 448 462 15% 3% 440 456 462 5% 1% Provision for Credit Losses 145 153 147 2
Slide 48: International Banking: Chile
International Banking: Chile1 CHILE $MM (unless otherwise specified) Reported Basis Reported Basis (Constant FX)2 Q2/25 Q1/26 Q2/26 Y/Y Q/Q Q2/25 Q1/26 Q2/26 Y/Y Q/Q Revenue 651 659 690 6% 5% 670 663 690 3% 4% Expenses 286 291 298 4% 3% 291 293 298 2% 2% Provision for Credit Losses 168 226 210 25% (
Slide 49: International Banking: Peru
International Banking: Peru1 PERU $MM (unless otherwise specified) Reported Basis Reported Basis (Constant FX)2 Q2/25 Q1/26 Q2/26 Y/Y Q/Q Q2/25 Q1/26 Q2/26 Y/Y Q/Q Revenue 422 458 420 (1%) (8%) 433 447 420 (3%) (6%) Expenses 194 201 214 10% 7% 199 196 214 8% 9% Provision for Credit Losses 80 80 68 (
Slide 50: International Banking: Caribbean
International Banking: Caribbean1 CARIBBEAN $MM (unless otherwise specified) Reported Basis Reported Basis (Constant FX)2 Q2/25 Q1/26 Q2/26 Y/Y Q/Q Q2/25 Q1/26 Q2/26 Y/Y Q/Q Revenue 543 569 553 2% (3%) 525 571 553 5% (3%) Expenses 280 297 281 1% (5%) 273 297 281 3% (6%) Provision for Credit Losses 3
Slide 51: Impact of Foreign Currency Translation
Impact of Foreign Currency Translation The table below reflects the estimated impact of foreign currency translation on key income statement items and is computed on a basis that is different than the “Constant dollar” table in Non-GAAP Measures on page 59. Average Exchange Rate Q2/25 Q1/26 Q2/26 Q/
Slide 52: Non-GAAP Measures
1 2 Non-GAAP Measures 3 4 5 52
Slide 53: Non-GAAP Measures
Non-GAAP Measures The Bank uses a number of financial measures and ratios to assess its performance, as well as the performance of its operating segments. Some of these financial measures and ratios are presented on a non-GAAP basis and are not calculated in accordance with Generally Accepted Accoun
Slide 54: Non-GAAP Reconciliations
Non-GAAP Reconciliations Three months ending April 30, 2026 January 31, 2026 April 30, 2025 $MM (unless indicated otherwise) Other All Bank Other All Bank Other All Bank Reported Results Total revenue 143 9,837 (398) 9,646 (113) 9,080 Provision for credit losses 1 1,217 - 1,176 1 1,398 Non-interest
Slide 55: Non-GAAP Reconciliations
Non-GAAP Reconciliations ($MM, unless otherwise specified) Q2/25 Q1/26 Q2/26 Calculation of Reported and Adjusted Earnings per Share Reported Results Net Income Attributable to Common Shareholders Net Income attributable to common shareholders 1,841 2,155 2,468 Dilutive impact of share-based payment
Slide 56: Non-GAAP Reconciliations
Non-GAAP Reconciliations ($MM) Q2/25 Q1/26 Q2/26 Return on Equity and Return on Tangible Common Equity – Reported Average common equity – Reported1 74,625 77,288 77,436 Average goodwill1,2 (9,962) (9,984) (9,959) Average acquisition-related intangibles (net of deferred tax)1 (3,586) (3,545) (3,532)
Slide 57: Non-GAAP Reconciliations
Non-GAAP Reconciliations All Bank International Banking Q2/25 Q1/26 Q2/26 Q2/25 Q1/26 Q2/26 Net Interest Margin Average core earning assets1 957,641 939,927 939,261 197,107 188,010 179,732 Less: Average core earning assets from divested operations 20,059 6,960 - 19,793 6,850 - Average core earning a
Slide 58: Non-GAAP Reconciliations
Non-GAAP Reconciliations All Bank Q2/25 Q1/26 Q2/26 Reported to Adjusted Results – All Bank ex. divestitures Net interest income 5,270 5,582 5,521 Non-interest income 3,810 4,064 4,316 Total revenue 9,080 9,646 9,837 Provision for credit losses 1,398 1,176 1,217 Non-interest expenses 5,110 5,299 5,1
Slide 59: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM For the three months ended January 31, 2026 April 30, 2025 Foreign Constant Foreign Constant Reported Reported Exchange Dollar Exchange Dollar International Banking – Constant Dollar Reported Net interest income 2,146 (7) 2,153 2,179 (83) 2,262 Non-interest income 815 -
Slide 60: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM (unless specified otherwise) Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 Net Interest Margin and Risk Adjusted Margin - All Bank Average total assets1 1,468,310 1,445,858 1,486,529 1,497,957 1,517,380 Less: Non-earning assets 118,403 114,263 115,239 120,352 123,695 1 Average total ear
Slide 61: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM (unless specified otherwise) Q2/25 Q3/25 Q4/25 Q1/26 Q2/26 Net Interest Margin and Risk Adjusted Margin - International Banking Average total assets1 229,118 223,347 226,015 219,139 210,553 Less: Non-earning assets 13,917 13,442 13,134 13,644 13,746 Average total earning
Slide 62: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM (unless otherwise specified) Mexico Chile Peru Caribbean Q2/25 Q1/26 Q2/26 Q2/25 Q1/26 Q2/26 Q2/25 Q1/26 Q2/26 Q2/25 Q1/26 Q2/26 Net Interest Margin and Risk Adjusted Margin Average total assets2 62,622 68,194 66,691 66,761 66,263 66,996 30,555 32,117 31,399 27,582 27,13
Slide 63: Non-GAAP Reconciliations
Non-GAAP Reconciliations $MM unless otherwise specified Mexico Peru Chile Caribbean Other Total IB Total IB Return on Tangible Common Equity Goodwill & Attributed Average Tangible Common Equity Intangibles Capital Q2/26 3,947 2,212 4,658 2,124 2,111 15,052 2,935 17,987 Q1/26 4,088 2,204 4,501 1,986
Slide 64: Glossary – Other Financial Measures
Glossary – Other Financial Measures The ratio of period end total allowance for credit losses (excluding debt securities and deposits with financial institutions) divided by gross loans and Allowance for Credit Losses (ACL) Ratio acceptances. Assets administered by the Bank which are beneficially ow