Investor Presentation

Capital - very strong position Basel III Common Equity Tier 1 (CET 1) (%) 10.9 9.8 8.9 9.1 9.4 Q3/13 Q4/13 Q1/14 Q2/14 Q3/14 CET 1 Risk-Weighted Assets ($B) 302 300 308 282 288 II Q3/13 Q4/13 Q1/14 Q2/14 Q3/14 Highlights ■ Cl transaction added 116 bps to CET 1 - - Q3/14 internal capital generation of $900 million Repurchased 2 million shares under NCIB Risk-weighted assets up $8 billion from previous quarter to $308 billion Growth in personal and business lending Impact from sale of CI and carrying value of the remaining investment Partially offset by lower FX Capital position very strong 13

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