Investor Presentaiton

GILs and GIL Formations by Business Line Improving GILs ratio trend 89 bps 90 bps GILs² ($MM) AND GILS RATIO1, 2 86 bps 5,287 5,364 5,229 84 bps 5,135 77 bps 326 -10 289 -10 202- -14 237-10 4,770 1,049 1,069 1,069 218 -27 1,087 1,106 3,902 3,996 3,944 3,801 3,419 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 YEAR-OVER-YEAR HIGHLIGHTS Lower GILs which declined 7% Q/Q and 10% Y/Y GILs ratio declined 7 bps Q/Q and 13 bps Y/Y primarily due to the impact of divestitures in International Banking Lower Net formations which declined 1% Q/Q and were up 3% Y/Y NET FORMATIONS² ($MM) AND NET FORMATIONS RATIO 1,2 16 bps 16 bps 16 bps 14 bps 14 bps 978 941 861 968 2 42 861 3 306 315 337 349 295 GILs Ratio (bps)1,2 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Canadian Banking 32 32 32 31 31 31 2 International 261 257 258 253 230 Banking Global Wealth Management 8 8 8 8 21 550 589 633 622 622 Global Banking 33 28 19 23 20 and Markets 20 Q1/19 --1 -22 -81 Q2/19 Q3/19 Q4/19 Q1/20 Canadian Banking Global Banking and Markets All Bank 00 90 89 86 84 77 International Banking Global Wealth Management 1 As a percentage of period end loans and acceptances 2 Prior to Q1/20, amounts for Global Wealth Management Retail were included in Canadian Banking Retail 15 15

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