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Investor Presentaiton

Energy - E&P and OFS Exposure¹ Total Exploration & Production (E&P) Canadian E&P U.S. E&P Oilfield Services (OFS) Total E&P and Oilfield Services Exposure Loans and Acceptances Outstanding ($B) % of Total E&P and OFS % of Total Loans and Acceptances % Investment Grade Outstanding 7.2 85% 1.2% 52% 3.3 39% 0.5% 62% 0.9 10% 0.1% 14% 1.3 15% 0.2% 6% 8.5 100% 1.4% 45% Total Loans and Acceptances Outstanding reduced by $1.3Bn (13%) vs. Q3 · 45% is rated investment grade. 51% of Total Energy (including Midstream and Downstream) exposure is investment grade. • • Outlook has improved due to the recent increase in oil prices. Exploration & Production Canada (49%) 4.3 C&CA (0%) Majority of non-investment grade exposure is to secured reserve- based loans or sovereign owned/controlled entities. 0.2 Europe E&P and OFS 0.4 (62%) Exposure by • Oilfield Services Geography · Majority of non-investment grade exposure is secured. Focused on companies with stronger liquidity and balance sheets. $8.5B 0.6 • ACL coverage in E&P and OFS beyond Stage 3 Asia (94%) (%IG) 2.0 Latin America (40%) Maintained substantial Stage 1&2 ECL built in Q2 and Q3 through expert credit judgement. 1.0 U.S. (12%) 1 As of October 31, 2020. Excludes Midstream and Downstream 47
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