Investor Presentation Q3 2020

Net Write-Offs by Business Line NET WRITE-OFFS ($MM) 1,2 AND NET WRITE-OFFS RATIO1, 2, 3 50 bps 49 bps 54 bps 47 bps 47 bps 827 • 27 745 749 732 750 1 4 8 13 33 256 257 260 265 266 544 484 481 454 450 • YEAR-OVER-YEAR HIGHLIGHTS Net write-offs¹ were up 2% Q/Q and up 1% Y/Y O Higher write-offs in Global Banking and Markets offset by lower write-offs in International Banking Net write-offs ratio flat Q/Q and down 3 bps Y/Y Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 International Banking Canadian Banking Global Banking and Markets Global Wealth Management Net Write-Off Ratio by Business Line (bps) 1, 2, 3 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Canadian Banking International Banking 30 30 29 31 30 127 128 147 124 117 Global Banking and Markets 1 3 11 4 11 Global Wealth Management 2 All Bank 50 49 49 54 54 47 47 47 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 18

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