Investor Presentaiton

Strong Capital Position CET1 Ratio +30 bps -27 bps 11.4% -47 bps -10 bps -4 bps +10 bps 10.9% Q1/20 Reported Earnings1 Dividends RWA Impact (ex. FX) CCR/ Other ECL CVA² (Incl. Share transitional Q2/20 Reported Buybacks) 3, 3,4 add-back Strong Capital Levels 14.7% 2.2% 1.4% 14.8% 14.2% 14.6% 2.5% 2.0% 2.1% 1.1% 1.1% 1.1% 14.0% 2.1% 1.0% 11.1% 11.2% Q2/19 11.1% 11.4% 10.9% Q3/19 Q4/19 Q1/20 CET1 Tier 1 Tier 2 Q2/20 1 Net Income Available to Equity Holders. 2 Counterparty Credit Risk and Credit Valuation Adjustment impact on RWA. 3 Repurchased 2 million common shares in Q2 2020. 4 'Other' includes impacts from regulatory capital deductions, foreign exchange translation, FVTOCI securities, etc. 17

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