Digital Banking Strength and Strategic Funding

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 ⚫ Trust Capital Markets Global Banking and Markets Corporate Banking • Advisory Equities Fixed Income Foreign Exchange • Commodities $1,574 NIAEH¹ ($MM) % All-Bank¹ $1,822 35% $865 $964 17% 18% 30% % Target 35-40% 25-30% ~15% 15-20% Productivity 46.7% 52.6% 61.6% 44.2% Ratio¹ ROE1 14.5% 5.8% 13.9% 15.6% Total Assets² ($B) $359.2 $215.6 $26.1 $415.6 Employees³ 18,409 50,403 7,148 2,408 1 Adjusted figures for the 9 months ended July 31, 2020 2 Average balance for Q3/20 3 As at July 31, 2020 7

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