Investor Presentaiton

Deposit Growth by Business Line Canadian Banking1 248 +12% Y/Y 267 80 80 86 98 International Banking1,2,3 Global Banking and Markets³ 279 -2% Y/Y4 115 113 107 93 +16% Y/Y 75 77 +1% 71 Y/Y5 182 186 168 +11% Y/Y 40 40 -6% 36 36 Y/Y5 Q4/19 Q3/20 Q4/20 Q4/19 Q3/20 Q4/20 Personal Non-Personal 109 +37% Y/Y 148 149 Q4/19 Q3/20 Q4/20 Continued growth across both Personal & Non-Personal deposits 1 May not add due to rounding 2 Y/Y growth rates are on a constant dollar 3 Includes deposits from banks Deposits excluding impact of divested operations up 7% Y/Y, driven by Latin America 4 Average deposits declined 7% Y/Y on a reported basis. Excluding impact of divestitures and on a constant dollar basis, deposits grew 7% Y/Y 5 Excluding impact of divestitures and on a constant currency basis, non-personal deposits grew 5% Y/Y and personal deposits grew 10% Y/Y Continued focus on deposit generation, accelerated by customer liquidity requirements 31

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