Canadian Retail: Loans and Provisions Financial Overview

Strong Capital Position CET1 Ratio 11.8% +34 bps -4 bps +3 bps -1 bp +44 bps -28 bps 11.3% (1) Q3 2020 Reported Earnings Dividends RWA Impact Foreign exchange ECL Transitional (ex. FX) translation Capital Relief Other (net) Q4 2020 Reported Internal capital generation Strong Capital Levels 14.2% 2.0% 1.1% 14.9% 15.5% 14.6% 14.0% 2.2% 2.1% 2.1% 2.1% 1.1% 1.5% 1.5% 1.0% 11.1% 11.4% Q4/19 1 Net Income Available to Equity Holders 10.9% 11.3% 11.8% Q1/20 Q2/20 Q3/20 Q4/20 CET1 Tier 1 Tier 2 16 16

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