Americas Wholesale and Retail Banking Overview

Global Banking and Markets Global Banking and Markets (GBM) provides corporate clients with lending and transaction services, investment banking advice and access to capital markets. GBM is a full service wholesale bank in the Americas, with operations in 21 countries, serving clients across Canada, the United States, Latin America, Europe and Asia-Pacific. Business Overview Asia Financial Results Canada 4% Europe 7% Global 54% Equities Business Banking $MM 52% Geographic Revenue¹ 21% Revenue By Business Line¹ Reported $1.3B $1.3B 35% US 27% FICC Q3/21 Y/Y Q/Q Net Income² $513 (14%) (1%) Pre-Tax, Pre Provision Profit $633 (32%) 1% Revenue $1,253 (19%) Expenses $620 (2%) Adjusted Net Income ²,³ ($MM) and ROE³ (%) 2,3 PCLS ($27) nmf (37%) Productivity Ratio 49.5% 940 bps (80 bps) 17.5% 17.3% 17.4% 16.1% 14.6% PCL Ratio4 (11 bps) (61 bps) 7 bps 600 PCL Ratio Impaired Loans4 3 bps (10 bps) (2 bps) 517 460 543 513 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Medium-Term Financial Objectives Target5 Net Income Growth Productivity Ratio Operating Leverage ~5% ~50% Positive 1 TEB Revenue for the 3 months ended July 31, 2021. Note GBM Latam revenue contribution is reported in International Banking results; 2 Attributable to equity holders of the Bank; 3 Refer to Non-GAAP Measures on slide 80 for adjusted results; 4 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures; 53-5 year target from 2020 Investor Day 39

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