Investor Presentation Q3 2020

Net Income and Adjusted Diluted EPS Quarterly diluted common shares outstanding may be impacted by dilutive effect of put options sold by the bank relating to minority interests the bank holds in the following legal entities: - Colpatria - BBVA Chile - Canadian Tire Financial Services (2) Impact on diluted EPS higher this quarter at 6 cents due to PCL driven loss in Colombia Net Income ($MM) and EPS ($ per Q3/19 Q2/20 Q3/20 share) Net Income attributable to common $1,839 $1,243 $1,332 shareholders 1 Dilutive impact of share-based $40 ($22) ($43) payment options and others Net Income attributable to common $1,879 $1,221 $1,289 shareholders (diluted) Weighted average number of 1,221 1,212 1,211 common shares outstanding Dilutive impact of share-based payment options and others 1 30 10 34 Weighted average number of diluted 1,251 1,222 1,245 common shares outstanding Reported Basic EPS $1.51 $1.03 $1.10 Dilutive impact of share-based (2) ($0.01) payment options and others ($0.03) ($0.06) Reported Diluted EPS $1.50 $1.00 $1.04 Impact of adjustments on diluted $0.38 $0.04 earnings per share¹ Adjusted Diluted EPS $1.88 $1.04 $1.04 1 Refer to Non-GAAP Measures on Slide 45 for adjusted results 27 27

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