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COVID-19 Business Impact Presentation

COVID-19 Business Impact Capital & Liquidity Credit Revenue Expenses Digital CET1 ratio of 10.9%, LCR of 132% (150%-200% in PAC countries) Strong growth in deposits Maintained robust funding program in Q2 Significant increase in provisions on performing loans reflecting weaker economic outlook High credit quality: loans are largely investment grade or secured Volumes slowed by lower retail customer activity due to shutdowns Strong GBM growth and stable Wealth results provide partial offset Higher expenses to support frontline employees and branch operations related to COVID-19 Digital is preferred channel for customer relief programs Strong growth in Tangerine and iTrade Continued improvement in all digital metrics in Q2 5

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