Investor Presentaiton

NIAT Excluding Divestitures 2,291 -1652 YEAR-OVER-YEAR¹ All -Bank +7.6% Y/Y -562 2,344 2,126 QUARTER-OVER-QUARTER¹ All-Bank +2.0% Q/Q -1572 2,288 2,400 2,243 2,344 -562 2,288 Q1/19 Adj. NIAT Divestitures Related NIAT Q1/19 Adj. NIAT ex. Divestitures Q1/20 Adj. NIAT Divestitures Related NIAT Q1/20 Adj. NIAT ex. Divestitures Q4/19 Adj. NIAT Divestitures Related NIAT Q4/19 Adj. NIAT ex. Divestitures Q1/20 Adj. NIAT Divestitures Related NIAT Q1/20 Adj. NIAT ex. Divestitures 1 Refer to Non-GAAP Measures on Slide 36 for adjusted results 2 Includes divestiture related NIAT of $55 million in International Banking (Q4/19: $154 million, Q1/19: $159 million); $nil million in Global Wealth Management (Q4/19: $2 million, Q1/19: $4 million) and $1 million in non-controlling interest (Q4/19: $1 million, Q1/19: $2 million) 18

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