Earnings and Dividend Growth Report

Risk Snapshot RWA Breakdown¹ ■Credit Risk Credit Exposure by Country 2,3 64% ■ Canada ■ Chile ■ U.S. Credit Exposure by Sector 1,2 Real Estate and Construction 5.9% 2% Financial Services Wholesale and Retail 5.1% 4.4% ■ C&CA 4% 11% $431B 87% ■Operational Risk $611B1 Energy 2.9% 5% Other International Other 5% 2.8% ■Mexico ■Market Risk 5% Technology and Media 2.8% 7% 8% ■ Peru Utilities 2.3% ■ Colombia Automotive 2.3% Personal & Commercial Lending Canadian Banking 1,2 International Banking1,2 Agriculture 2.3% Transportation 1.7% Food and Beverage 1.5% Mining 1.2% Health Care 1.0% 67% ■ Secured ■ Secured Hospitality and Leisure 0.9% 6% $318B 94% ■ Unsecured 33% $68B ■ Unsecured Sovereign 0.9% Forest Products 0.5% Metals 0.4% Chemicals 0.3% 1 As at July 31, 2020 2% of total loans and acceptances 3 As at October 31, 2019. 52 62

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