Investor Presentaiton

GILs and Net Write-Offs GILs1 ($MM) AND GILS RATIO1 81 bps 81 bps 84 bps 77 bps 78 bps 4,770 27 218 5,120 31 -285 5,148 26 209 5,053 26 5,279 39 -224 -302 1,106 1,222 1,209 1,067 1,049 3,419 3,582 3,704 3,676 3,949 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 HIGHLIGHTS GILs increased 11% Y/Y, primarily driven by higher formations in International Retail, partially offset by lower formations in Global Banking and Markets Improvement in Global Banking and Markets was driven by lower formations in Energy and in Real Estate and Construction sectors NET WRITE-OFFS ($MM)² AND NET WRITE-OFFS RATIO2,3 54 bps 47 bps 47 bps 41 bps 43 bps 827 27 732 750 1 13 33 674 632 256 25 26 265 266 201 227 HIGHLIGHTS Net write-offs³ decreased 19% Y/Y and decreased across all business lines Q/Q increase was driven by International Retail, partially offset by improvements in Canadian and International Commercial Banking 544 454 450 448 379 Q1/20 International Banking Q2/20 Q3/20 Q4/20 Q1/21 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 15 15

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