Investor Presentaiton

NET INCOME AND ADJUSTED DILUTED EPS RECONCILIATION Net Income ($MM) and EPS ($ per share) Q3/18 Q2/19 Q3/19 Net Income attributable to common $1,956 $2,125 $1,839 shareholders Dilutive impact of share-based payment options and others ($39) $37 $40 Net Income attributable to common $1,917 $2,162 $1,879 shareholders (diluted) • Quarterly diluted common shares outstanding may be impacted by dilution on sold put options relating to the following legal entities: Colpatria • Colfondos Weighted average number of common 1,223 1,224 1,221 • BBVA Chile shares outstanding • Dilutive impact of share-based 1 17 28 30 payment options and others Weighted average number of diluted (2) 1,240 1,252 1,251 common shares outstanding 3 Reported Basic EPS $1.60 $1.74 $1.51 Canadian Tire Financial Services Impact on diluted EPS remains stable Primarily related to the $402 million loss recorded on the Puerto Rico divestiture announced this quarter Dilutive impact of share-based $0.05) ($0.01) payment options and others ($0.01) Reported Diluted EPS $1.55 $1.73 $1.50 Impact of Acquisition-related 3 $0.21 ($0.03) $0.38 costs on diluted earnings per share1 Adjusted Diluted EPS $1.76 $1.70 $1.88 1 Adjusted for Acquisition and divestiture-related amounts, including Day1 PCL impact on performing loans, integration and amortization costs related to current acquisitions, amortization of intangibles related to current and past acquisitions and losses/(gains) on divestitures and related costs Scotiabank. 17

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