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1.75% 1.50% 1.25% 1.00% 0.75% 0.50% 0.25% 0.25% 0.00% 2007 2008 2009 0.44% 2010 0.00% 0.50% 0.40% 0.30% 0.19% 0.20% 0.10% 2007 2008 2009 0.90% 1.00% 0.75% Average (2007-2020) 1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 2011 2012 2012 2013 2013 2010 0.70% 0.60% 0.50% 0.40% 0.30% 0.20% 0.10% 0.00% 0.12% 0.24% 2007 2011 2008 2012 2009 2013 2010 2011 211 0.59% Historical PCL Ratios on Impaired Loans 2012 2013 2013 CANADIAN BANKING¹ ALL BANK 1 0.56% 0.50% 0.47% 0.49% 0.45% 0.32% 0.40% 0.42% 0.43% 0.34% 0.36% 2014 2015 0.23% 0.37% 0.35% 0.28% 0.23% 0.18% 0.23% 0.23% 0.28% 0.29% 0.24% 0.29% 0.32% Avg: 27 bps INTERNATIONAL BANKING 2014 2015 1.27% 1.24% 1.26% 1.21% 0.86% 0.75% 2014 2015 2016 2017 2018 2019 2020 1.29% 1.30% 1.49% H Avg: 100 bps 43 2018 2018 2019 2020 Avg: 41 bps

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