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1.75% 1.50% 1.25% 1.00% 0.75% 0.50% 0.25% 0.25% 0.00% 2007 2008 2009 0.44% 2010 0.50% 0.40% 0.30% 0.19% 0.20% 0.10% 0.00% 2007 0.90% 1.00% -Average (2007 - Q1/21) 1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 2011 2012 2013 2013 2008 2009 0.70% 0.60% 0.50% 0.40% 0.30% 0.20% 0.12% 0.10% 0.00% 2007 2008 2009 0.24% 2010 2011 211 0.23% 0.37% 0.35% 0.28% 0.23% 0.18% 2010 2011 2011 2012 2013 2013 2014 INTERNATIONAL BANKING¹ 2015 1.27% 1.24% 1.26% 1.29% 1.21% 0.86% 0.75% 0.75% 2014 2314 2015 0.59% Historical PCL Ratios on Impaired Loans CANADIAN BANKING 2016 ALL BANK 0.56% 0.50% 0.49% 0.49% 0.47% 0.45% 0.34% 0.36% 0.42% 0.40% 0.43% Avg: 0.32% 41 bps 0.23% 0.23% 2017 1 2016 2017 2018 2019 0.28% 0.29% 0.24% 0.29% 0.32% 0.23% Avg: 26 bps 2018 2019 2020 1.30% 1.49% 1.50% H Avg: 103 bps 2020 Q1/21 29 29 Q1/21 2020 Q1/21

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