Digital Banking Strength and Strategic Funding

1.75% 1.75% 1.50% 1.25% 1.00% 0.92% 0.75% 0.50% 0.25% 0.00% 2001 2002 2003 2004 1.27% 2005 1.50% 1.25% 1.00% 0.75% 0.50% 0.25% 0.00% 0.31% 0.30% 0.27% 0.28% 0.22% 0.20% 0.19% 0.23% 1.75% 1.50% 1.41% 1.25% 1.00% 0.77% 0.75% 0.50% 0.25% 0.00% 2001 2004 0.44% 0.23% 0.23% 0.23% 0.25% 0.18% 2005 2006 2005 2006 2007 2006 Historical PCL Ratios on Impaired Loans 2007 2008 ALL BANK 1,2 0.57% 0.59% 0.47% 0.25% 0.24% 0.34% 0.36% 0.32% 0.40% 0.42% 0.50% 0.45% 0.43% 0.49% 0.56% 0.14% 0.11% 0.12% INTERNATIONAL BANKING 1.00% 0.90% 0.86% 0.75% 0.75% CANADIAN BANKING1 2013 2013 2014 2015 2016 0.37% 0.35% 0.28% 0.23% 0.18% 0.23% 0.23% 0.28% 0.29% 0.24% 0.28% 0.34% 1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 22002: Included $454 million related to the Bank's exposure to Argentina; 2009: Higher PCLs driven by economic conditions, event distributed across business lines. Higher general allowance and sectoral allowance (automotive related) 2014 2015 2016 2017 2018 1.27% 1.24% 1.26% 1.21% 1.29% 1.29% 1.44% 43 2019 Q320 YTD

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