Investor Presentaiton

PCLs - Impaired and Performing PCLs ($MM) Q1/19 Q2/19 Q3/19 Q4/19 Q1/202 All Bank Impaired 679 700 776 744 802 Performing 91 221,2 (63)1 • 91 (31)1 Total 688 7222 713 753 771 Canadian Banking Impaired 229 233 257 255 258 Performing 21 201 (16)1 (8) (8) Total 2311 2531 2411 247 250 International Banking Impaired 451 472 522 477 508 Performing 191 51,2 (46)1 251 (5)1 Total 4701 4771,2 4761 5021 5031 Global Wealth Management Impaired (1) Performing 2 (1) - Total 2 (1) (1) Global Banking and Markets Impaired (1) (5) Performing (15) (1) 22 (2) 12 36 (2) (8)1 (18) Total (16) (6) (4) 41 18 Other (Performing) 11 (1)1 11 _1 . YEAR-OVER-YEAR HIGHLIGHTS Higher PCLs driven mainly by asset growth and PCL in Global Banking and Markets versus recoveries in prior year Total PCLs 1,2 of $771 million were up 12% Y/Y and up 2% Q/Q Impaired PCL of $802 million up 18% Y/Y reflecting higher impaired PCL in Canadian Banking, International Banking and Global Banking and Markets О Performing recovery of $31 million Movement of performing loan provisions to Stage 3 in GBM relating to certain specific accounts Improving retail credit quality in Canadian Banking and International Banking 1 Includes provision for credit losses on debt securities and deposit with banks of $nil million in Canadian Banking (Q1/19: $2 million, Q2/19: -$1 million, Q3/19: -$1 million), -$1 million in International Banking (Q1/19: $2 million, Q2/19: -$1 million, Q3/19: $1 million, Q4/19: -$3 million), $nil million in Global Banking and Markets (Q4/19: -$1 million) and $1 million in Other (Q1/19: -$1 million, Q2/19: $1 million, Q4/19: $1 million) 2 Refer to Non-GAAP Measures on Slide 36 for adjusted results 14

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