Canadian Banking and Mortgage Portfolio Overview

Risk Snapshot RWA Breakdown¹ ■ Credit Risk Credit Exposure by Country 2,3 64% ■ Canada ■Chile ■ U.S. Credit Exposure by Sector 1,2 Real Estate and Construction 5.7% 2% Financial Services Wholesale and Retail 5.5% 4.4% C&CA 4% 11% $421B 87% ■Operational Risk $611B1 Other 3.0% 5% Other International 5% Energy 2.7% Mexico ■Market Risk 5% Technology and Media 2.5% 7% 8% Peru Automotive 2.2% Colombia Agriculture 2.2% Canadian Banking 1,2 Personal & Commercial Lending International Banking1,2 Utilities 2.1% Transportation 1.5% Food and Beverage 1.4% Mining 1.1% Health Care 1.0% 66% ■ Secured ■ Secured Sovereign 0.9% 7% $312B 93% ■ Unsecured 34% $70B Hospitality and Leisure 0.7% ■ Unsecured Forest Products 0.5% Metals 0.5% Chemicals 0.4% 1 As at January 31, 2020 2% of total loans and acceptances 3 As at October 31, 2019 51

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