Investor Presentaiton

Retail 90+ Days Past Due Loans Stable delinquencies across most markets and products Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 CANADA1 Mortgages 0.21% 0.21% 0.21% 0.20% 0.21% Personal Loans 0.58% 0.56% 0.54% 0.58% 0.63% Credit Cards 0.95% 0.92% 0.83% 0.98% 1.02% Secured and Unsecured Lines of Credit 0.30% 0.30% 0.26% 0.26% 0.25% Total 0.29% 0.28% 0.27% 0.28% 0.29% INTERNATIONAL Q1/192 Q2/192,3 Q3/192,3 Q4/192,3 Q1/202,3 Mortgages 3.24% 3.16% 3.23% 3.10% 2.65% Personal Loans 3.59% 3.52% 3.55% 3.59% 3.89% Credit Cards 3.01% 3.01% 3.19% 3.26% 3.26% TOTAL 3.30% 3.23% 3.31% 3.26% 3.22% 1 Includes Wealth Management 2 Includes acquisitions in Chile, Colombia 3 Includes acquisitions in Peru and Dominican Republic 33

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