Investor Presentaiton

Strong Capital Position CET1 Ratio +17 bps -7 bps 11.3% +28 bps +31 bps -26 bps 10.9% Q2/20 Reported Earnings (1) Dividends Lower RWA ECL Transitional Pension Capital Relief Q3/20 Reported Internal capital generation Strong Capital Levels 14.8% 2.5% 1.1% 14.2% 14.6% 14.0% 14.9% 2.0% 2.1% 2.1% 2.1% 1.1% 1.1% 1.5% 1.0% 11.2% 11.1% Q3/19 1 Net Income Available to Equity Holders 11.4% 10.9% 11.3% Q4/19 Q1/20 Q2/20 Q3/20 CET1 Tier 1 Tier 2 17 15

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