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Investor Presentaiton

Other Items Impacting Financial Results (Pre-Tax) ($MM) Canadian Banking Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q1/20 vs Q1/19 2019 2018 One month reporting lag elimination 34 Branch real estate gains 8 7 (8) 15 Interac gain Total 8 7 (8) 15 55 89 40 163 International Banking One month reporting lag elimination 58 51 Impact of closed divestitures 206 211 184 208 70 264 211 184 208 121 522 (7) 58 66 (136) 809 713 (143) 867 779 Total Global Wealth Management One month reporting lag elimination Impact of closed divestitures - 7 Total 7 220 133 5 5 10 910 963 (6) 35 55 35 55 Other Pension revaluation benefit gain Total 203 - 203 Total (Pre-Tax) 279 238 187 213 131 (148) 917 1,200 (After-Tax and NCI) ($MM)¹ Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q1/20 vs Q1/19 2019 2018 Canadian Banking One month reporting lag elimination 25 Branch real estate gains 6 6 (6) 12 73 Interac gain 35 Total 6 (6) 12 133 International Banking One month reporting lag elimination 41 37 (4) 41 48 Impact of closed divestitures 159 156 141 154 55 (104) 610 542 Total 200 156 141 154 92 (108) 651 590 Global Wealth Management One month reporting lag elimination Impact of closed divestitures 4 10 2 Total 4 10 1 2 60 616 Other Pension revaluation benefit gain Total - Total (After-Tax and NCI) Impact on diluted earnings per share 210 $0.17 172 $0.14 (4) 17 31 2 17 31 150 150 142 156 $0.11 $0.12 98 $0.08 (112) 680 904 ($0.09) $0.54 $0.74 1 Items on this page have not been formally adjusted for determining the bank's Adjusted Net Income and Adjusted Diluted EPS 2 Pension and related insurance business in the Dominican Republic, sale of seven non-core markets in the Caribbean, Thanachart Bank in Thailand, pension fund operations in Colombia, operations in Puerto Rico and the U.S. Virgin Islands, and insurance and banking operations in El Salvador 22
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