Investor Presentation Q3 2020

Revenue Growth: P&C Banking Canadian Banking1 -6% Y/Y International Banking 1, 2 -16% Y/Y³ 3,237 2,664 2,526 2,500 163 Flat 2,707 628 613 Y/Y 822 46 2,570 -76% 40 627 Y/Y 608 548 -34% Y/Y -8% Y/Y 2,036 1,913 2,253 1,873 2,052 1,982 -4% Y/Y Q3/19 Q2/20 Q3/20 Q3/19 Q2/20 Q3/20 Retail Commercial Latin America C&CA Asia Strong volume growth offset by lower net interest income and lower fee income 1 I May not add due to rounding Impacted by divested operations. Revenues excluding divestitures down 8% due to margin compression and lower non-interest income 2 Y/Y growth rates are on a constant dollar basis 3 Revenue growth of -21% Y/Y on a reported basis. International Banking constant currency revenue growth down 8% Y/Y excluding the impact of divestitures 31

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