Embracing Fintech

Risk Snapshot RWA Breakdown1 Credit Exposure by Country 2,3 ■Canada ■ Chile Credit Exposure by Sector 1,2 Real Estate and Construction 7.6% ■Credit Risk 2% $453Bn 87% ■ Operational Risk 11% ■Market Risk 69% ■ U.S. 5% 5% 5% 3% $663Bn³ ■ Other International ■Mexico 5% ■ C&CA 7% 7% Financial Services Wholesale and Retail 4.9% 4.4% Utilities 3.3% Other 3.1% Technology and Media 2.7% ■ Peru Agriculture 2.6% ■ Colombia Automotive 1.8% Personal & Commercial Lending Canadian Banking 1,2 International Banking1,2 Food and Beverage 1.6% Energy 1.2% Transportation 1.2% Health Care 1.0% Sovereign 0.8% Mining 0.8% ■ Secured 72% ■ Secured 5% $383Bn $68Bn 95% ■ Unsecured 28% ■ Unsecured 1 As at July 31, 2022 2% of total loans and acceptances 3 As at October 31, 2021 Hospitality and Leisure 0.5% Metals 0.4% Forest Products 0.3% Chemicals 0.3% 43

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