Investor Presentaiton

Other -54 ADJUSTED NET INCOME -121 1, 2, 3 ($MM) -33 -35 -48 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 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 36 for adjusted results YEAR-OVER-YEAR HIGHLIGHTS Higher contributions from asset/liability management activities QUARTER-OVER-QUARTER HIGHLIGHTS • Higher contributions from asset/liability management activities · • Partly offset by lower securities gains and higher non-interest expenses 11

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