Third Quarter 2021 Investor Presentation

Credit Quality GILS ($MM) AND GIL RATIO¹ 81 bps 81 bps 84 bps 81 bps 73 bps 5,148 26 209 5,053 26 302 5,279 39 33 5,116 28 224 4,735 -286 1,209 1,067 235 1,049 1,040 921 3,704 3,676 3,949 3,757 3,551 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 HIGHLIGHTS GIL ratio improved 8 bps driven by low formations across all business lines GIL ratio is now below pre-pandemic levels NET WRITE-OFFS ($MM)² AND NET WRITE-OFFS RATIO³ 76 bps 62 bps . HIGHLIGHTS Lower write-offs Q/Q 47 bps 41 bps 43 bps 1,141 13 . 219 983 1 8 173 Significant reduction in International Banking 750 1 33 632 674 -25 Write-offs in Canadian Banking and Global Banking and Markets are well below historical averages 266 -26 201 227 910 801 450 379 448 Q3/20 Q4/20 Q1/21 Q2/21 (1) Q3/21 International Banking Canadian Banking Global Banking and Markets Global Wealth Management 1 As a percentage of period end loans and acceptances 2 Net write-offs are net of recoveries 3 As a percentage of average net loans and acceptances 13

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