Canadian Retail: Loans and Provisions Financial Overview

Well-Diversified Business with Strong Returns Earnings by Business Line 1,2 Wealth Management 18% Global Wealth Management Earnings by Market1,2,4 Caribbean and Central America Other C&CA 6% Europe, Asia, Brazil, Australia Wholesale Banking 29% 18% Global Banking and Markets 29% FY2020 EARNINGS MIX $7.1B³ Canadian Chile 5% 3% Banking P&C Personal & Commercial Peru 6% 37% Banking Mexico 53% 5% U.S. 11% International Banking P&C 16% FY2020 EARNINGS MIX $7.1B3 Canada 64% Adjusted Return on Equity 1,2 by Business Line 3-year average ROE 21.6% 15.0% 14.9% 13.1% 11.6% 15.5% 14.0% 15.4% 10.4% 5.8% International Banking Global Wealth Management Global Banking and Markets All Bank Canadian Banking 1 Net income attributable to equity holders for the 12 months ended October 31, 2020; 2 Adjusted for acquisition and divestiture-related amounts, impact of additional pessimistic scenario in ACLs, Derivative Valuation Adjustment, and impairment charge on software asset; 3 Excludes Other segment; 4 Excludes Colombia (loss) 6

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