Investor Presentaiton

Strong Capital & Liquidity 11.8% -4 bps +3 bps +34 bps -1 bp +44 bps -28 bps 11.3% 1 Q3 2020 Reported Earnings Dividends RWA Impact (ex. FX) Foreign exchange ECL Transitional translation Other (net) Q4 2020 Capital Relief Reported Internal capital generation • Strong internal capital generation Lower risk weighted assets (RWA) - repayments in business banking and lower market risk RWA • LCR ratio of 138% 1 Attributable to equity holders of the Bank 8

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