Colombian Economy & Banking Sector Analysis

Risk Snapshot RWA Breakdown¹ ■ Credit Risk Credit Exposure by Country 2,3 64% ■ Canada ■Chile ■ U.S. Credit Exposure by Sector 1,2 Real Estate and Construction 5.8% 2% Financial Services Wholesale and Retail 5.0% 4.8% C&CA 4% 11% $446B 87% ■Operational Risk $611B1 Energy 3.3% 5% Other International 5% Technology and Media 3.0% Mexico ■Market Risk 5% Other 2.8% 7% 8% Peru Automotive 2.7% Colombia Utilities 2.5% Canadian Banking 1,2 Personal & Commercial Lending International Banking1,2 Agriculture 2.2% Food and Beverage 1.6% Transportation 1.6% Mining 1.4% Health Care 1.2% 66% ■ Secured ■ Secured Hospitality and Leisure 1.0% 7% $315B 93% ■ Unsecured 34% $68B ■ Unsecured Sovereign 0.9% Forest Products 0.5% Chemicals 0.5% Metals 0.4% 1 As at April 30, 2020 2% of total loans and acceptances 3 As at October 31, 2019 50 50

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