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APPENDIX 2 | PERSONAL AND COMMERCIAL BANKING ■ ($MM) Q2 20 Q1 20 Q2 19 QoQ YOY Revenues 848 880 834 (4%) 2% Personal Commercial 524 547 527 (4%) (1%) 324 333 307 (3%) 6% Operating Expenses 459 468 458 (2%) Pre-tax / Pre-provisions 389 412 376 (6%) 3% Provisions for Credit Losses 301 70 63 330% 378% Revenue growth driven by solid volume on both sides of the balance sheet Lower non-interest income due to lower credit cards volumes, unfavorable mark-to-market on securities portfolio in the insurance business, and lower banking fees Net Income 65 251 230 (74%) (72%) ◉ Continued disciplined cost management Key Metrics ($MM) Q2 20 Q1 20 Q2 19 QoQ YOY Loans & BAS - Personal (avg vol.) 78,295 77,903 75,425 1% 4% Loans & BAS - Commercial (avg vol.) 38,241 37,542 36,008 2% 6% Loans & BAS - Total (avg vol.) 116,536 115,445 111,433 1% 5% Margin Evolution (1) Deposits Total (avg vol.) 63,869 64,388 60,578 (1%) 5% NIM (%) 2.22% 2.21% 2.23% 0.01% (0.01%) Efficiency Ratio (%) 54.1% 53.2% 54.9% +90 bps -80 bps 2.23% 2.23% 2.23% 2.21% 2.22% PCL ratio 1.05% 0.24% 0.23% 0.81% 0.82% (1) NIM is on Earning Assets. Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 -NIM - P&C 22 22

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