Investor Presentaiton

Strong Capital Position CET1 Ratio +10 bps +6 bps 12.2%¹ +27 bps -4 bps 11.8% Q4 2020 Reported Earnings less Dividends Organic RWA (ex. FX) Pension Remeasurement Other (Including FX) Strong Capital Levels Internal capital generation 14.6% 2.1% 1.1% Q1 2021 Reported 15.5% 15.7% 14.9% 14.0% 2.2% 2.1% 2.1% 2.1% 1.5% 1.4% 1.0% 1.5% 11.4% 10.9% Q1/20 11.3% 11.8% 12.2% Q2/20 Q3/20 Q4/20 Q1/21 CET1 Tier 1 Tier 2 1 Includes ~22 bps benefit from OSFI's partial inclusion of stage 1 and 2 ECL 12

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