Global Wealth Management and Banking Overview

Risk Snapshot RWA Breakdown¹ Credit Exposure by Country 2,3 Credit Exposure by Sector 1,2,4 ■Canada ■ Chile Real Estate and Construction 6.3% ■ Credit Risk 66% ■ U.S. 2% 2% Financial Services Wholesale and Retail 4.9% 3.9% 4% $407B 86% ■ Operational Risk $611B1 12% 4% 5% ■ Other International ■Mexico Technology and Media 2.8% Other 2.8% ■Market Risk 5% ■ C&CA Utilities 2.6% 7% 7% ■ Peru Agriculture 2.4% ■ Colombia Automotive 1.9% Canadian Banking 1,2 Personal & Commercial Lending International Banking1,2 Energy 1.9% Transportation 1.5% Food and Beverage 1.4% Health Care 0.9% Mining 0.8% ■ Secured 70% ■ Secured 6% $328B $66B 94% ■ Unsecured 30% Sovereign 0.8% Hospitality and Leisure ■ Unsecured 0.8% Metals 0.4% Forest Products 0.4% Chemicals 0.2% 2% of total loans and acceptances 3 As at October 31, 2020 4 Regulated/contracted midstream has been moved from Energy to Utilities as of Q1/21. Prior periods have been restated to conform to the current presentation 1 As at January 31, 2021 40 40

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