The document reports on a company's 1Q23 earnings results. Key highlights include: - Net income increased 19% quarter-over-quarter and 232% year-over-year to $37M, driven by higher profits and ROE expansion from increased margins. - NII grew 6% QoQ and 105% YoY to $52.6M, reflecting higher average net lending spreads and an asset sensitive interest rate gap position. - Efficiency ratio improved to 26.9%, down 400 bps QoQ due to strong fee income and cost control while investing in transformation. - Asset quality remained healthy with NPLs at 0.45% and total allowance for

1. 1Q23
Earnings Results
APRIL 2023

2. 2
Quaterly ROE
13.7%
↑212 bps QoQ |↑925 bps YoY
Net Income
$37M
↑19% QoQ |↑232% YoY
Higher Profits and RoE Expansion Fostered
by increased Margins
Credit Book
$8.7 Bn
0% QoQ |↑4% YoY
NPLs
0.45%
0 bps QoQ | ↑29 bps YoY
Stable Loan Portfolio with Healthy Asset
Quality
NII
$52.6M
↑6% QoQ |↑105% YoY
NIM
2.41%
↑ 30 bps QoQ |↑ 109 bps YoY
NII Increased Reflecting Higher Average Net
Lending Spreads and Asset Sensitive
interest Rate Gap Position
Net Fees
$4.8M
↓9% QoQ | ↑ 22% YoY
Efficiency Ratio
26.9%
↓400 bps QoQ| ↓958 bps YoY
Strong Fee Income and Strict Cost Control
while Investing in Transformation
Key Results: Sustained Strong Financial Performance in 1Q23
Validates our Strategy

3. 3
1,663 1,761
2,069
1,593 1,430
1,500
3,256 3,191
3,569
1Q22 4Q22 1Q23
Class A Shareholders
Client Depostis
46%
3.3
3.5 3.5
3.7
3.9
1Q22 2Q22 3Q22 4Q22 1Q23
Client on-Boarding Time (in days)
Improvement YoY
New Clients
4%
QoQ
23%
YoY
Client Deposit Growth Letter of Credit Fees
Key Processes Re-design has been Crucial in the Execution of our
Strategic Plan

4. Solid Trend for
Higher Profitability
towards Sustained
Double Digit
Returns
4
11.1
23.0
26.9
31.0
37.0
4.5%
9.1%
10.3%
11.6%
13.7%
1Q22 2Q22 3Q22 4Q22 1Q23
Net Income RoE
(USD millions, except for %)
Net Income & RoE
Quarterly

5. Stable Total Assets and Optimal Capital Allocation in Challenging
Macro Environment
5
Total Assets
3% 256 2% 197 1% 139 3% 258 3% 294
76%
6,449
76%
6,749
76%
7,084
73%
6,760
72%
6,701
13%
1,099
12%
1,111
11%
1,048
11%
1,024
10%
940
8%
654
10%
867
11%
1,049
13%
1,242
14%
1,314
8,458
8,925
9,320 9,284 9,249
1Q22 2Q22 3Q22 4Q22 1Q23
Other Loans, net Investment Portfolio, net Cash and due from banks
Investment Portfolio
Avg. Term to Maturity 2 years
$940M
+9%
YoY
(USD millions, except for %)
12%
11%
6%
5%
3%
3%
1%
1%
52%
6%
Chile
Mexico
Brazil
Colombia
Peru
Panama
Costa Rica
Dominican Republic
United States
Other Non-Latam

6. Less than a
year
More than a
year
Bank’s Short –Term Loan Book Generates High Turnover and
Capitalizes on Market Trends
6
Contingencies* Loans
Loan Portfolio Lending Spread**
31%
69%
6,763
(3,764) 3,686
6,685
943 (765) 915 1,093
31-Dec-22 Maturities * Disbursements 31-Mar-23
7,778
7,706 -4,529 4,601
(*) Includes financial guarantee contracts such as issued and confirmed letters of credit, stand-by letters of credit, guarantees covering commercial risk, and other assets consisting of
customers’ liabilities under acceptances (**) Refers to lending spread over base rate. Lending spreads shown at 31-dec-22 and 31-mar-23 represent the average lending spread on total Loan
Portfolio for the quarter ended at each of those dates.
12 Months
Average duration
Maturity Profile
+18%
QoQ
2.81% 2.99%
+1%
QoQ
(USD millions, except for %) - EoP

7. Robust Deposit Base and Diverse Funding Structure Prove Resilience
Amid Financial Turmoil
7
3,256 3,110 3,413 3,191
3,569
1,739
2,502
2,669
2,496 2,063
2,170
2,030
1,948
2,221 2,240
7,165
7,641
8,030 7,908 7,872
1Q22 2Q22 3Q22 4Q22 1Q23
Deposits Short-term Borrowings, Debt & repos
Long-term Borrowings, Debt & repos
Funding Sources Funding by Product
Deposits 36%
Yankees CDs 9%
Repos 5%
144a / Regs 5%
EMTN 4%
MXN Issuances 12%
Borrowings 24%
Syndicated Loans 5%
$7,872
1Q23

8. Strong
Capitalization and
Constant Dividend
amidst Strategic
Focus on
Profitability
8
Capital
(1) As defined by the SBP, in which risk-weighted assets are calculated under the Basel Standardized Approach for Credit Risk. The minimum Regulatory Total Capital Adequacy
Ratio should be of no less than 8.0% of total risk-weighted assets. (2) Tier 1 Capital ratio is calculated according to Basel III capital adequacy guidelines, and as a percentage of
risk-weighted assets. Risk-weighted assets are estimated based on Basel III capital adequacy guidelines, utilizing internal-ratings based approach or “IRB” for credit risk and
standardized approach for operational risk.
(1) (2)
1,005 1,019
1,049 1,069 1,096
13.4%
12.9%
12.2%
13.2%
13.5%
16.2%
15.1%
14.4%
15.3% 15.3%
1Q22 2Q22 3Q22 4Q22 1Q23
Equity Capital Adequacy Index Tier 1 Capital Ratio (Basel III)
Declared dividends
1Q23
$0.25
per share

9. Strong Net Interest Margin and Spread Drive Robust Top-line
Performance
9 (USD millions, except for %)
1.32%
1.54%
1.77%
2.11%
2.41%
1Q22 2Q22 3Q22 4Q22 1Q23
NIM QoQ
+30 Bps
NIM
2.28%
2.98%
4.03%
5.52%
6.48%
1.12%
1.66%
2.60%
3.89%
4.66%
1Q22 2Q22 3Q22 4Q22 1Q23
NIS
1.82%
NIS
1.63%
NIS
1.43%
NIS
1.32%
NIS
1.15%
Rate of Interest-Earning Assets
Rate of Interest-Bearing Liabilities
Net Interest Spread Net Interest Margin

10. 9.5
3.2
9.3
NII Growth Driven by Lending Spreads and Favorable Interest Rate
Gap Position Despite Loan Growth Variations
10
Quarterly variation, (USD millions, except for %)
Average Volume Net
Variation Effect
Average Rate Net
Variation Effect
-$488MM
-7%
119bps
0.2
49.4
52.6
* Liquid assets consist of cash and due from banks and highly rated corporate debt securities (‘A-‘ or above) classified as high-quality liquid assets (“HQLA”) in
accordance with the specifications of the Basel Committee
+$3.2MM
NII 1Q23
NII 4Q22 Loans Liquid
Assets*
Credit
Investment
Portfolio
Financial
Liabilities
-$33MM
-3%
5bps
+$84MM
+7%
80bps
$404MM
-5%
77bps Total NII Variation
+$6.9MM
Rate
-$3.7MM
Volume

11. Growing Letters of
Credit Business
Drives Fee Income
11
3.3 3.5 3.5 3.7 3.9
0.4
0.6
2.6
1.3
0.4
0.2
0.2
0.2
0.3
0.5
3.9
4.3
6.3
5.3
4.8
1Q22 2Q22 3Q22 4Q22 1Q23
Other Fees
Syndication Fees
Letters of Credit Fees
Total Fees
+22%
YoY

12. Strong Asset
Quality, Low Credit
Risk and Robust
Reserve Coverage
12
(1) Includes allowance for expected credit losses on loans at amortized cost, on loan commitments and financial guarantees contracts, and on securities at amortized cost and
at fair value through other comprehensive income
(USD millions, except for %) 31-Mar-22 30-Jun-22 30-Sep-22 31-Dec-22 31-Mar-23
Allowance for losses1
Balance at beginning of the period $47.1 $55.2 $56.0 $61.8 $66.8
Provisions (reversals) 8.1 0.8 4.8 5.8 6.3
Recoveries (write-offs) 0.0 0.0 1.0 (0.8) (0.7)
End of period balance $55.2 $56.0 $61.8 $66.8 $72.4
Impaired Credits to Total Credit Portfolio 0.2% 0.2% 0.1% 0.4% 0.4%
Stage 1
98.07%
$8.5Bn
Stage 2
1.53%
$133M
Stage 3
0.40%
$35M
$8.7Bn
Total Allowance for Credit
Losses to Impaired Credits
206%
Exposure by Stages

13. Strong Revenue
Growth Drive
Lower Cost-to-
Income Ratio
13
7.4 8.2 8.7
9.8 9.7
3.6
4.8
5.9
6.6 6.2
11.0
13.1
14.6
16.4 15.9
36.4%
35.4%
31.6% 30.8%
26.9%
1Q22 2Q22 3Q22 4Q22 1Q23
Salaries and other employee expenses Administrative & Other Expenses Efficiency Ratio
Opex & Efficiency Ratio

14. Closing
Remarks
14

15. APRIL 2023
Q&A
15

16. Disclaimer
16
This presentation contains forward-looking statements of expected future developments within the meaning of the Private
Securities Litigation Reform Act of 1995 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements
can be identified by words such as: “anticipate”, “intend”, “plan”, “goal”, “seek”, “believe”, “project”, “estimate”, “expect”,
“strategy”, “future”, “likely”, “may”, “should”, “will” and similar references to future periods. The forward-looking statements in
this presentation include the Bank’s financial position, asset quality and profitability, among others. These forward-looking
statements reflect the expectations of the Bank’s management and are based on currently available data; however, actual
performance and results are subject to future events and uncertainties, which could materially impact the Bank’s
expectations. Among the factors that can cause actual performance and results to differ materially are as follows: the
coronavirus (COVID-19) pandemic and geopolitical events; the anticipated changes in the Bank’s credit portfolio; the
continuation of the Bank’s preferred creditor status; the impact of increasing/decreasing interest rates and of the
macroeconomic environment in the Region on the Bank’s financial condition; the execution of the Bank’s strategies and
initiatives, including its revenue diversification strategy; the adequacy of the Bank’s allowance for expected credit losses; the
need for additional allowance for expected credit losses; the Bank’s ability to achieve future growth, to reduce its liquidity
levels and increase its leverage; the Bank’s ability to maintain its investment-grade credit ratings; the availability and mix of
future sources of funding for the Bank’s lending operations; potential trading losses; the possibility of fraud; and the adequacy
of the Bank’s sources of liquidity to replace deposit withdrawals. Factors or events that could cause our actual results to differ
may emerge from time to time, and it is not possible for us to predict all of them. Readers are cautioned not to place undue
reliance on these forward-looking statements, which speak only as of the date hereof. We undertake no obligation to publicly
update any forward-looking statement, whether as a result of new information, future developments or otherwise, except as
may be required by law.

17. APRIL 2023
Exhibits
17

18. *Please refer to the Press Release for more detail
1Q23 4Q22 1Q22
Key Income Statement Highlights
Net Interest Income ("NII") $52.6 $49.4 $25.7
Fees and commissions, net $4.8 $5.3 $3.9
Loss on financial instruments, net $1.7 ($1.6) $0.6
Other income, net $0.0 $0.0 $0.0
Total revenues $59.2 $53.2 $30.2
Provision for credit losses ($6.3) ($5.8) ($8.1)
Gain on non-financial assets, net ($15.9) ($16.4) ($11.0)
Operating expenses $37.0 $31.0 $11.1
Profit for the period
Profitability Ratios
Earnings per Share ("EPS") (1)
$1.02 $0.85 $0.31
Return on Average Equity (“ROE”) (2)
13.7% 11.6% 4.5%
Return on Average Assets (“ROA”) (3)
1.6% 1.3% 0.6%
Net Interest Margin ("NIM") (4)
2.41% 2.11% 1.32%
Net Interest Spread ("NIS") (5)
1.82% 1.63% 1.15%
Efficiency Ratio (6)
26.9% 30.8% 36.4%
Assets, Capital, Liquidity & Credit Quality
Credit Portfolio(7)
$8,716 $8,726 $8,412
Commercial Portfolio(8)
$7,778 $7,706 $7,321
Investment Portfolio $938 $1,020 $1,091
Total assets $9,249 $9,284 $8,458
Total equity $1,096 $1,069 $1,005
Market capitalization(9)
$631 $588 $565
Tier 1 Capital to risk-weighted assets
(Basel III – IRB) (10) 15.3% 15.3% 16.2%
Capital Adequacy Ratio (Regulatory) (11)
13.5% 13.2% 13.4%
Total assets / Total equity (times) 8.4 8.7 8.4
Liquid Assets / Total Assets (12)
14.1% 13.7% 9.2%
Credit-impaired loans to Loan Portfolio (13)
0.5% 0.4% 0.2%
Impaired credits (14)
to Credit Portfolio 0.4% 0.4% 0.1%
Total allowance for losses to Credit Portfolio (15)
0.8% 0.8% 0.7%
Total allowance for losses to Impaired credits (times) (15)
2.1 1.9 5.2
Additional Information
18