Investor Presentation Q3 2020

Adjusting Items - After-Tax and NCI Q3/19 Q2/20 Tax NCI Q3/20 After-Tax and NCI - - 22 26 23 15 3 22 2477 11 9 7 8143 255240n 11 5 сл 10 5 1 Adjusting Items (After-Tax and NCI) ($MM) Acquisition-Related Costs Day 1 PCL on acquired performing financial instruments - International Banking Integration Costs Canadian Banking International Banking Global Wealth Management Amortization of Intangibles Canadian Banking International Banking Global Wealth Management Other Allowance for Credit Losses - Additional Scenario Canadian Banking International Banking Global Wealth Management Global Banking and Markets Derivative Valuation Adjustment Global Banking and Markets Other Impairment Charge on Software Asset Other Net Loss/(Gain) on Divestitures Other Total (After-Tax and NCI) 1 Excludes amortization of intangibles related to software (after-tax) 418 418 (1) (1) 466 40 18 5 LO 24 19 18 4 8 2256 +006 (43) (43) (1) 29 29

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