Investor Presentaiton

Net Income and Adjusted Diluted EPS Net Income ($MM) and EPS ($ per share) Q1/19 Q4/19 Q1/20 1 Net Income attributable to common shareholders $2,107 $2,137 $2,262 Dilutive impact of share-based $41 $42 $27 payment options and others Net Income attributable to common $2,148 $2,179 $2,289 shareholders (diluted) Weighted average number of 1,226 1,218 1,214 common shares outstanding Dilutive impact of share-based payment options and others 1 29 42 33 (2) Weighted average number of diluted 1,255 1,260 1,247 common shares outstanding Reported Basic EPS $1.72 $1.76 $1.86 Dilutive impact of share-based (2) ($0.01) ($0.03) ($0.02) payment options and others Reported Diluted EPS $1.71 $1.73 $1.84 Impact of adjustments on diluted $0.04 $0.09 ($0.01) earnings per share¹ Adjusted Diluted EPS $1.75 $1.82 $1.83 1 Refer to Non-GAAP Measures on Slide 36 for adjusted results Quarterly diluted common shares outstanding may be impacted by dilutive effect of put options sold by the bank relating to minority interests the bank holds in the following legal entities: Colpatria BBVA Chile Canadian Tire Financial Services Impact on diluted EPS remains relatively stable 19

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