Investor Presentaiton

Net Write-Offs by Business Line NET WRITE-OFFS ($MM) 1,2 AND NET WRITE-OFFS RATIO1, 2, 3 50 bps 50 bps 50 bps 49 bps 745 749 54 bps 827 27 732 716 • 8 21 256 242 257 260 233 YEAR-OVER-YEAR HIGHLIGHTS Net write-offs were up 10% Q/Q and 13% Y/Y Higher write-offs in International Banking and Global Banking and Markets Modestly higher net write-off ratio • 544 490 462 484 481 Q1/19 Q2/19 Q3/19 Q4/19 Canadian Banking International Banking Global Wealth Management Q1/20 Global Banking and Markets Net Write-Off Ratio by Business Line (bps) 1,2,3 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Canadian Banking International Banking 29 29 30 30 29 135 127 127 128 147 Global Wealth Management Global Banking and Markets All Bank 50 50 50 9 1 3 11 50 49 54 49 1 Net write-offs are net of recoveries 2 Prior to Q1/20, amounts for Global Wealth Management Retail were included in Canadian Banking Retail 3 As a percentage of average net loans and acceptances 116 16

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