Investor Presentaiton

Q4/17 Q1/18 Q2/18 Q3/18 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 BUSINESS & GOVERNMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 $274 $263 $211 $223 $270 $197 $174 $168 $221 $227 $197 $170 $179 Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Deposit Overview Strong growth in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) • $200 $204 $215 $225 $225 $235 $246 $244 $222 $223 $224 $201 $211 3Y CAGR-7.2% • PERSONAL DEPOSITS All Q/Q growth from Canada Continued impact of system liquidity from central banks and government relief programs Important for both relationship purposes and regulatory value 1 Calculated as business & government deposits less wholesale funding as per Wholesale Funding Sources table in the MD&A, adjusted for Sub Debt 3Y CAGR 16.3% Q3/20 Q4/20 • BUSINESS & GOVERNMENT Continuing to leverage relationships to grow deposits Focusing on operational, regulatory friendly deposits 52 52

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