Investor Presentation Q3 2020

NIAT Excluding Divestitures 7,009 -4932 YTD-OVER-YTD1 All-Bank -23.8% YTD/YTD 6,516 5,023 -602 4,963 Q3/19 YTD Adj. NIAT Divestitures Related NIAT Q3/19 YTD Adj. NIAT ex. Divestitures Q3/20 YTD Adj. NIAT Divestitures Related NIAT Q3/20 YTD Adj. NIAT ex. Divestitures 1 Refer to Non-GAAP Measures on slide 45 for adjusted results 2 Includes divestiture related NIAT of Q3/20 YTD of $60 million in International Banking (Q3/19 YTD: $472 million); Q3/20 YTD of $nil in Global Wealth Management (Q3/19 YTD: $15 million) and Q3/20 YTD of $nil million in non-controlling interest (Q3/19 YTD: $6 million) 26

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