Investor Presentaiton

Risk Snapshot RWA Breakdown Credit Exposure by Country1 Credit Exposure by Sector¹ ■ Canada Financial Services 5.6% ■Credit Risk 64% ■ Chile ■ U.S. Real Estate and Construction 5.3% 2% Wholesale and Retail 4.6% ■C&CA 4% 11% $421B 87% ■Operational Risk $611B1 Energy 2.7% 5% Other International Other 5% 2.6% ■Mexico ■Market Risk 5% Automotive 2.3% 7% 8% Peru Technology and Media 2.2% Colombia Agriculture 2.2% Utilities 1.8% Canadian Banking Loans² International Banking Loans² Transportation 1.6% Food and Beverage 1.4% Mining 1.1% 67% ■ Secured ■ Secured Health Care 1.0% 7% $310B² 93% ■ Unsecured 33% Sovereign 0.8% $74B2 Hospitality and Leisure 0.5% ■ Unsecured 1% of total loans and acceptances as at October 31, 2019 2 Retail loans as at October 31, 2019 Forest Products 0.7% Metals 0.5% Chemicals 0.4% 43 33

View entire presentation