Investor Presentaiton

International Banking International Banking has a strong and diverse franchise with more than 10 million Retail, Corporate, and Commercial customers. International Banking continues to offer significant potential for the Bank, with a geographical footprint encompassing the Pacific Alliance countries of Mexico, Colombia, Peru and Chile as well as Central America and the Caribbean. Business Mix Financial Results Business Loans 55% $MM² FY/20 FY/FY Asia 1% Revenue Mix¹, $2.5B 78% Latin America Credit Cards Reported 6% Loan Mix¹ $146B Net Income³ $980 (64%) 21% 14% Pre-Tax, Pre Provision Profit $4,867 (17%) C&CA Personal Loans 25% Residential Mortgages Revenue $10,810 (10%) Expenses $5,943 (4%) PCLS $3,613 87% Adjusted Net Income 3,6 ($MM) and NIM* (%) Productivity Ratio 55.0% 310 bps 4.51% 4.51% 4.28% 3.99% 3.97% Net Interest Margin4 4.18% (36 bps) 725 PCL Ratio5 2.45% 105 bps 615 158 59 197 238 PCL Ratio Impaired Loans5 1.49% 19 bps 567 556 53 197 1 238 Adjusted5 52 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Net Income³ $1,148 (61%) Ex. Divested Ops Medium-Term Financial Objectives NIAT Growth6 Divested Ops Net Income - Ex Divested Ops.³ Pre-Tax, Pre Provision Profit $1,088 (51%) $5,068 (16%) Target? 9%+ Expenses Productivity Ratio $5,742 (5%) 53.1% 290 bps Productivity Ratio Operating Leverage <50% Positive 1 For the 3 months ended October 31, 2020; 2Y/Y and Q/Q growth rates (%) are on a constant dollars basis, while metrics and change in bps are on a reported basis; 3 Attributable to equity holders of the Bank; 4 Net 27 Interest Margin is on a reported basis; 5 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures; 6 Excluding divestiture impact; 73-5 year target from 2020 Investor Day

View entire presentation