Investor Presentaiton

Deposit Growth by Business Line Strong focus on growing core deposits 236 Canadian Banking +5% Y/Y 248 248 80 79 19 74 International Banking1,2 Global Banking and Markets +2% Y/Y3 113 115 111 +2% +6% Y/Y Y/Y 73 75 72 162 168 169 +5% Y/Y Q1/19 Q4/19 Q1/20 Continued momentum driven by both Personal & Non-Personal deposits 40 40 40 40 Q1/19 Personal 39 +2% Y/Y 93 33 +21% Y/Y 113 109 Q4/19 Q1/20 Q1/19 Q4/19 Q1/20 Non-Personal Good growth in Pacific Alliance up 7% 1 Y/Y growth rates are on a constant dollar basis 2 Includes deposits from banks 3 Average deposits declined 2% Y/Y on a reported basis. International Banking constant currency deposits up 6% excluding divestitures Continued focus on deposit generation 27 27

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