Investor Presentation Q3 2020

Loan Growth by Business Line Canadian Banking International Banking1 Global Banking and Markets +7% +5% Y/Y² Y/Y +18% Y/Y 355 356 +10% 339 Y/Y 154 152 157 54 59 59 54 7 -13% +17% 8 71 69 70 69 Y/Y Y/Y 70 78 83 89 -1% -4% Y/Y Y/Y 111 109 10 10 9 -7% 93 +6% 24 207 218 221 Y/Y 22 21 21 Y/Y -2% 42 37 38 Y/Y Q3/19 Q2/20 Q3/20 Q3/20 Q3/19 Q2/20 Q3/19 Q2/20 Q3/20 Residential mortgages Personal loans Credit cards Business Strong loan growth mainly driven by residential mortgages and business lending Strong loan growth driven by Commercial Banking in Latin America. Total loans ex. Divestures up 13% Y/Y Continued strong loan growth Y/Y, focused in North America 1 Y/Y growth rates are on a constant dollar basis 2 Average loans & acceptances up 2% Y/Y on a reported basis. International Banking constant currency loans up 13% excluding the impact of divestitures 33

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