Investor Presentaiton

Other ADJUSTED NET INCOME -35 -48 -64 -166 1, 2, 3 ($MM) 8 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 • 1 Represents smaller operating segments including Group Treasury and corporate adjustments 2 Attributable to equity holders of the Bank 3 Refer to Non-GAAP Measures on slide 40 for adjusted results YEAR-OVER-YEAR HIGHLIGHTS Higher contributions from asset/liability management activities, partly offset by higher non-interest expenses QUARTER-OVER-QUARTER HIGHLIGHTS Higher contributions from asset/liability management activities, partly offset by lower investment gains 13

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