Investor Presentation Q3 2020

GILs and GIL Formations by Business Line GILS² ($MM) AND GILS RATIO1, 2 86 bps 84 bps 77 bps 78 bps 81 bps 5,229 5,135 202 -14 237 10 4,770 5,120 218 27 285 -31 5,148 209-26 1,069 1,087 1,106 1,222 1,209 3,944 3,801 3,419 3,582 3,704 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 YEAR-OVER-YEAR HIGHLIGHTS GILs increased 1% Q/Q but declined 2% Y/Y GILs ratio up 3 bps Q/Q and down 5 bps Y/Y primarily due to International Banking Net formations decreased 25% Q/Q and were up 7% Y/Y NET FORMATIONS² ($MM) AND NET FORMATIONS RATIO 1,2 GILs Ratio (bps)1,2 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 19 bps 14 bps 16 bps 16 bps 14 bps 1,220 76 3 968 978 920 861 Canadian Banking International 31 31 31 34 34 3 41 7 -2 258 253 230 229 242 420 Banking 306 315 337 298 Global Banking 19 23 20 721 633 622 622 670 and Markets Global Wealth 20 22 22 18 8 8 21 21 23 18 Management All Bank 86 84 77 78 81 Q3/19 Q4/19 Q1/20 Q2/20 -44---4 Q3/20 International Banking Canadian Banking Global Banking and Markets 1 As a percentage of period end loans and acceptances 2 Prior to Q1/20, amounts for Global Wealth Management Retail were included in Canadian Banking Retail Global Wealth Management 17 15

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