Leading Bank in the Americas Presentation

Growth in Digital Banking Steady progress against 2018 Investor Day digital targets Digital Retail Sales¹ Digital Adoption² +19% 30 28 22 15 11 29 26 29 In-Branch Financial Transactions³ +15% -12% 41 26 39 23 33 20 16 14 2016 2017 2018 2019 Q1/20 2016 2017 2018 2019 Q1/20 2016 2017 2018 2019 Q1/20 Goal >50% Goal >70% Strong progress made across core markets • Adoption grew 8% since Q1/19 1 Canada: F2017 22%, F2018 26%, F2019 26% PACS: F2017 13%, F2018 19%, F2019 29% 2 Canada: F2017 36%, F2018 38%, F2019 42% PACS: F2017 20%, F2018 26%, F2019 35% 3 Canada: F2017 17%, F2018 15%, F2019 12% PACS: F2017 29%, F2018 24%, F2019 19% Goal <10% In-branch transactions fell 4% compared to Q1/19 20 20

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