Canadian Retail: Loans and Provisions Financial Overview

Focused on Higher Return Markets More Attractive Banking ROEs in Canada and Latam (Latest Reporting Period) 20% 15.3% 14.3% 15% 11.0% 12.4% 10.0% 10% 11.2% 3-year average ROE 9.6% 7.4% 5.6% 5% 0% Canada Latam Asia >75% of All-Bank earnings Return on equity in latest reporting period as of November 30, 2020 Canada and US figures are average for five largest and 10 largest market share banks in each country, respectively Sources: Bloomberg LLP, Company Financial Reports 2.2% S US Europe 9

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