Investor Presentaiton

Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 BUSINESS & GOVERNMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Deposit Overview Strong growth in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $244 $222 $223 $224 $198 $201 $211 $225 $225 $235 $200 $215 $204 PERSONAL DEPOSITS • All Q/Q growth from Canada • 3Y CAGR 7.1% • Impacted by liquidity injected into the system by central banks and government relief programs Important for both relationship purposes and regulatory value $179 $172 $170 $197 $174 $... Q2/19 Q3/19 $197 $211 $221 $223 $227 $263 3Y CAGR 16.4% Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 1 Calculated as business & government deposits less wholesale funding as per Wholesale Funding Sources table in the MD&A, adjusted for Sub Debt Q4/19 Q1/20 Q2/20 Q3/20 $270 • • BUSINESS & GOVERNMENT Continuing to leverage relationships to grow deposits Focusing on operational, regulatory friendly deposits Impact from government relief programs 63 83

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