Investor Presentaiton

Strong Capital Generation Clear path to higher capital ratio CET1 Ratio 11.2% ~11.55% ~50 bps -4 bps 11.1% +25 bps -20 bps -8 bps -7 bps +3 bps Q3/19 Earnings Less Dividends RWA Impact (ex. FX) Share Buybacks (Net of Issuances) Foreign Exchange Translation Non-core Divestitures Other (net) Q4/19 Reported Impact of Announced Divestitures Q4/19 Pro-Forma Internal Generation Strong Capital Levels 14.3% 1.8% 1.4% 14.7% 14.8% 14.2% 14.6% 2.1% 2.2% 2.5% 1.4% 1.4% 1.1% 2.0% 1.1% 11.1% 11.1% 11.1% 11.2% 11.1% Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 CET1 Tier 1 Tier 2 16

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