Investor Presentaiton

Adjusting Items - Pre-Tax Adjusting Items (Pre-Tax) ($MM) Acquisition-Related Costs Integration Costs Canadian Banking International Banking Global Wealth Management Amortization of Intangibles" Canadian Banking International Banking Global Wealth Management Other Allowance for Credit Losses - Additional Scenario Canadian Banking International Banking Global Wealth Management Global Banking and Markets Derivative Valuation Adjustment Global Banking and Markets Other Impairment Charge on Software Asset Other Net Loss/(Gain) on Divestitures Other Total (Pre-Tax) 1 Excludes amortization of intangibles related to software (pre-tax) Q1/19 Q4/19 Q1/20 - 273532 24 69 30 28 2222632 31 79 76 10 15 13 10 10 - 1752522 155 71 77 1 6 116 102 14 44 44 1 (262) 1 (262) 61 108 156 20

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