Embracing Fintech

Well-Diversified Business with Strong Returns Earnings by Business Line¹ Caribbean and Central America (C&CA) 4% Earnings by Market¹,2 Brazil and Other 4% Colombia 1% Asia 1% Global Wealth Management 15% Peru 4% U.S. Personal & 6% Commercial Canadian Global Q3/22 YTD Banking Banking Banking and Markets EARNINGS MIX 45% 67% Mexico 8% 18% $8.0Bn³ International Banking 22% Chile 8% Q3/22 YTD EARNINGS MIX $8.0Bn³ YTD Reported 26.8% Return on Equity by Business Line 16.7% 16.5% 15.8% 21.2% 12.8% 14.3% 14.6% 12.7% 9.5% 3-year average ROE Canadian Banking International Banking Global Wealth Management Global Banking and Markets All Bank 1 Net income attributable to equity holders for the 9 months ended July 31, 2022; 2 May not add due to rounding;³ Excludes Other segment Canada 65% 6

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