Leading Bank in the Americas Presentation

Business Lines Activity Business Line Products Personal & Commercial Banking Canadian Banking ⚫ Mortgages Auto Loans Commercial Loans Personal Loans Credit Cards International Banking • Mortgages Auto Loans Commercial Loans • Personal Loans • Credit Cards Wealth Management Global Wealth Management • Asset Management Private Banking Private Investment Counsel • Brokerage Capital Markets Global Banking and Markets • Corporate Banking Advisory Equities Fixed Income Foreign Exchange • Commodities ⚫ Trust NIAEH¹ ($MM) $908 $615 $318 $451 % All-Bank¹ 40% 27% 13% 20% % Target 35-40% 25-30% ~15% 15-20% Productivity 45.4% 52.9% 62.4% 51.5% Ratio¹ ROE1 21.9% 12.7% 13.7% 14.0% Employees² 18,538 55,190 7,214 2,426 1 Adjusted figures for the 3 months ended January 31, 2020 2 As at January 31, 2020 8

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