Investor Presentaiton

OVERVIEW - Q2|20 RESULTS PTPP(1) $991 MM +20% YoY Total PCL $504 MM >5X QoQ We entered the COVID-19 crisis on solid footings: Strong balance sheet Strong credit quality Net Income $379 MM EPS $1.01 CET1 11.4% ROE 10.7% ☐ Defensive positioning Our business is holding up well: Revenue growth in all business segments Solid PTPP growth, up 20% YoY Prudent provisioning in uncertain macroeconomic environment: Total PCL of $504M, increased more than 5x QoQ Strong capital and liquidity ratios ◉ Dividend maintained at $0.71 per share (1) Pre-tax pre-provision earnings, presented on a taxable equivalent basis (TEB). 5 |

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