Investor Presentaiton

Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 BUSINESS & GOVERNMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Q1/18 Q2/18 Q3/18 Q4/18 Deposit Overview Stable trend in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) • $225 $225 • $215 $222 $223 $202 $204 $199 $200 $211 $199 $201 $198 3Y CAGR 4.1% PERSONAL DEPOSITS Important for both relationship purposes and regulatory value Good momentum with 4.1% CAGR over the last 3 years $211 $197 $221 $169 $174 $168 $197 $155 $179 $172 $170 $156 1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 Q1/19 Q2/19 Q3/19 Q4/19 $223 3Y CAGR 12.8% • BUSINESS & GOVERNMENT Gaining share of deposits through leveraging of relationships 12.8% CAGR over the last 3 years • Focusing on operational, regulatory friendly deposits 61

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