Investor Presentaiton

Our Path to Improved Returns SHORT-TERM 20 LONG-TERM EXECUTE AND INVEST Ramp up of execution against Transformation milestones • Investment-driven revenue growth Top-line benefits from macro factors Continued investments in front office, technology and digital Rigorous tracking of progress Lay the Foundation Note: All footnotes are presented on Slide 23. 19 DELIVER MEDIUM-TERM TARGETS Mix begins to shift towards higher returning businesses (Services, CCB1 and Wealth) • Transformation efficiencies begin to materialize • Improved returns • • LONGER-TERM Further revenue growth from investments Normalization of expenses will start to self-fund investments Higher returns • Simpler organization ~11-12% ROTCE2 Longer-term Benefits Materialize cíti

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