Americas Wholesale and Retail Banking Overview

Strong Capital Position CET1 Ratio 1 +32 bps -11 bps -16 bps -6 bps 12.2% -5 bps -4 bps 12.3% Q2 2021 Reported Earnings less Dividends Organic RWA (ex. FX) Reversal of SVaR Increased ownership ECL Transitional Multiplier in Chile Other (net) Capital Relief Q3 2021 Reported Internal capital generation Strong Capital Levels 14.0% 2.1% 1.5% 15.5% 15.7% 14.9% 2.2% 2.1% 2.0% 1.5% 1.4% 1.4% 15.7% 2.0% 1.5% 11.3% 11.8% Q3/20 12.2% 12.3% 12.2% Q4/20 Q1/21 Q2/21 Q3/21 CET1 Tier 1 Tier 2 1 Includes 9 bps benefit from OSFI's partial inclusion of stage 1 and 2 allowances 12

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