Investor Presentaiton

Loan Growth by Business Line Strong volume growth across our key business lines Canadian Banking International Banking¹ Global Banking and Markets +6% +6% Y/Y² Y/Y +6% Y/Y 351 +12% 152 151 346 147 331 Y/Y 55 44 57 50 +5% +8% 8 8 Y/Y 77 78 Y/Y 74 71 71 69 +3% +11% Y/Y Y/Y 10 10 10 10 10 10 22 95 97 92 46 +5% 23 24 23 223 +5% 205 212 215 Y/Y Y/Y 40 41 40 +4% Y/Y Q1/19 Q4/19 Q1/20 Q1/19 Q4/19 Q1/20 Q1/19 Q4/19 Q1/20 Residential mortgages Personal loans Credit cards Business Strong loan growth driven by contributions across business lines Good loan growth driven by Pacific Alliance up 10% Continued strong loan growth focused in North America 1 Y/Y growth rates are on a constant dollar basis 2 Average loans & acceptances growth of 2% Y/Y on a reported basis. International Banking constant currency loans up 9% excluding the impact of divestitures 26

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