Investor Presentaiton

Business Lines Activity Business Line Products Loans Personal Loans • Personal Loans Credit Cards • Credit Cards NIAEH¹ ($MM) $1,822 $865 Personal & Commercial Banking Canadian Banking • Mortgages Auto Loans Commercial International Banking • Mortgages Auto Loans Commercial Loans Wealth Management Global Wealth Management • Asset Management Private Banking Private Investment Counsel • Brokerage Capital Markets Global Banking and Markets • Corporate Banking Advisory Equities Fixed Income Foreign Exchange • Commodities $1,574 ⚫ Trust $964 % All-Bank¹ 35% 17% 18% 30% % Target 35-40% 25-30% ~15% 15-20% Productivity 46.7% 52.6% 61.6% 44.2% Ratio¹ ROE1 14.5% 5.8% 13.9% 15.6% Employees² 18,409 50,403 7,148 2,408 1 Adjusted figures for the 9 months ended July 31, 2020 2 As at July 31, 2020 7

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