Investor Presentation Q3 2020

Customer Assistance Programs Product Types Active Deferral Active Requests 1 Total Exposure¹ % Deferral Exposure Expired 1 #('000s) % ($B) % Expiring Deferral Exposure in Q4/201 ($B) % Current following Deferral Expiry 1,2 % Canada Mortgages 137 58.1% $39.0 94.0% 10.8% $35.3 90.6% 99.4% Credit Cards 33 13.9% $0.2 0.4% 66.9% $0.2 100.0% 94.4% Personal Loans 66 28.0% $2.3 5.6% 57.4% $2.1 91.2% 93.2% Total/Average 236 100.0% $41.5 100.0% 16.5% $37.6 90.7% 96.3% International Mortgages 99 4.3% $9.4 52.0% 24.1% $8.0 85.3% 90.6% Credit Cards 1,504 64.5% $3.5 19.5% 16.9% $3.2 90.2% 86.8% Personal Loans 727 31.2% $5.2 28.5% 37.3% $5.0 97.0% 89.5% Total/Average 2,330 100.0% $18.1 100.0% 27.3% $16.2 89.6% 88.8% Weekly Deferral Requests Granted ($B) 1 12 8 4 Deferral Expiry Schedule ($B) 1 Canadian Banking 2.4 41.5 23.3 International Banking 18.1 11.1 11.9 3.7 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Jul-20 Aug-20 Sep-20 Oct-20 3.9 Post - Oct-20 Jul-20 -1.4 1.9 Aug-20 Sep-20 Oct-20 Post- Oct-20 International ⚫Canada 1 As at July 31, 2020 2 Canadian payments % includes accounts that have not yet completed first billing cycle since expiring 16

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