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Investor Presentaiton

Energy Exposure¹ High quality energy portfolio, reduced exposure to 2.7% of total loans from 3.1% in Q4/16 • Loans and Acceptances Outstanding ($B) % of Total % of Total Loans and % Investment Energy Exposure Acceptances Grade Outstanding 7.1 43% Total Exploration and Production 1.2% 62% 3.6 Canadian E&P 21% 0.6% 76% Western Canadian Select Exposure 1.3 8% 0.2% 93% 1.2 7% 0.2% 57% U.S. E&P 5.6 34% 0.9% 51% Midstream Services 1.6 9% 0.3% 21% 2.4 14% 0.4% 69% Downstream Total Energy Exposure² 16.6 100% 2.7% 56% Energy portfolio represents 2.7% of loans and acceptances outstanding, down from 3.1% in Q4/16 56% is rated Investment Grade (IG), up from 52% in Q4/16 Watchlist³ reduced to 4.0% of total Energy outstandings from 13.6% as of Q4/16 1 As of October 31, 2019 2 May not add due to rounding 3 Includes Impaired accounts 4 RWA based on All Facility Types Canada (60%) 6.7 C&CA (33%) 0.4 Europe Energy (43%) 0.7 Exposure by Geography2 1.0 $16.6B Latin 2.8 Asia (95%) (%IG) America (50%) 1.2 3.7 U.S. (44%) Mexico (60%) 48
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