Investor Presentaiton

Retail 90+ Days Past Due Loans CANADA1 Q4/19 Q1/20 Q2/202 Q3/20² Q4/202 Mortgages 0.20% 0.21% 0.21% 0.19% 0.15% Personal Loans 0.58% 0.63% 0.72% 0.63% 0.51% Credit Cards 0.98% 1.02% 1.12% 0.81% 0.70% Secured and Unsecured Lines of Credit 0.26% 0.25% 0.26% 0.23% 0.19% Total 0.28% 0.29% 0.30% 0.26% 0.21% INTERNATIONAL 1 Includes Wealth Management 2 Does not reflect impact of payment deferral programs Q4/19 Q1/20 Q2/202 Q3/202 Q4/202 Mortgages 3.10% 2.65% 3.05% 2.94% 2.70% Personal Loans 3.59% 3.89% 4.04% 4.02% 4.19% Credit Cards 3.26% 3.26% 3.35% 2.72% 2.61% TOTAL 3.26% 3.22% 3.36% 3.18% 3.05% 39

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