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Leading Bank in the Americas Presentation

Energy Exposure¹ High quality energy portfolio, reduced exposure to 2.7% of total loans from 3.6% in Q1/16 Total Exploration and Production Canadian E&P U.S. E&P Midstream Services Downstream Total Energy Exposure² Loans and Acceptances Outstanding ($B) % of Total % of Total Loans and % Investment Energy Exposure Acceptances Grade Outstanding 6.9 41% 1.1% 53% 3.4 20% 0.6% 74% 0.9 6% 0.2% 34%4 5.8 34% 0.9% 58% 1.5 9% 0.2% 17% 2.6 16% 0.4% 72% 16.8 100% 2.7% 54% Canada (57%) 6.9 C&CA (34%) Energy portfolio represents 2.7% of loans and acceptances outstanding, down from 3.6% in Q1 2016. Europe (44%) Energy 0.7 Exposure by • 54% is rated Investment Grade (IG) Geography2 Watchlist³ reduced to 3.9% of total Energy outstandings from a high of 13.6% as of Q4/16 1.0 Asia (95%) $16.8B (%IG) 3.3 Latin America (44%) 1 As of January 31, 2020 2 May not add due to rounding 3 Includes Impaired accounts 4 Reduction in IG from previous quarter a function of a material repayment on an IG account 3.2 1.3 U.S. (50%) Mexico (59%) 56
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