Investor Presentation Q3 2020

Retail 90+ Days Past Due Loans CANADA1 Q3/19 Q4/19 Q1/20 Q2/204 Q3/204 Mortgages 0.21% 0.20% 0.21% 0.21% 0.19% Personal Loans 0.54% 0.58% 0.63% 0.72% 0.63% Credit Cards 0.83% 0.98% 1.02% 1.12% 0.81% Secured and Unsecured Lines of Credit 0.26% 0.26% 0.25% 0.26% 0.23% Total 0.27% 0.28% 0.29% 0.30% 0.26% INTERNATIONAL Q3/192,3 Q4/192,3 Q1/202,3 Q2/202,3,4 Q3/202,3,4 Mortgages 3.23% 3.10% 2.65% 3.05% 2.94% Personal Loans 3.55% 3.59% 3.89% 4.04% 4.02% Credit Cards 3.19% 3.26% 3.26% 3.35% 2.72% TOTAL 3.31% 3.26% 3.22% 3.36% 3.18% 1 Includes Wealth Management 2 Includes acquisitions in Chile, Colombia 3 Includes acquisitions in Peru and Dominican Republic 4 Does not reflect impact of payment deferral programs 44

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