Leading Bank in the Americas Presentation

Canadian Residential Mortgages - LTVs* Credit fundamentals remain strong NEW ORIGINATIONS UNINSURED LTV* DISTRIBUTION BC & Territories 64% GVA 63% Q1/19 Q4/19 Q1/20 Canada Total Originations ($B) 9.3 13.3 11.2 Uninsured LTV 64% 65% 64% GTA 63% GTA Total Originations ($B) Uninsured LTV 3.2 4.2 3.7 63% 64% 63% Atlantic Prairies 67% ON QC 64% 67% Provinces 66% GVA Total Originations ($B) Uninsured LTV 1.0 1.6 59% 64% 1.4 63% *Average LTV ratios for our uninsured residential mortgages originated during the quarter FICO® DISTRIBUTION - CANADIAN UNINSURED PORTFOLIO² Average FICO® Score 59% Canada 790 GTA 792 GVA 796 15% 11% 11% 4% < 635 636-706 FICO is a registered trademark of Fair Isaac Corporation 707-747 2 FICO® distribution for Canadian uninsured portfolio based on score ranges at origination 3 Percentage is based on Total Mortgages *Above figures include Wealth Management 748-788 > 788 Only <0.69% of uninsured portfolio³ has a FICO® score of <620 and an LTV >65% Canadian uninsured mortgage portfolio is $144 billion as at Q1/2020 28

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