Investor Presentaiton

Risk Snapshot RWA Breakdown¹ Credit Exposure by Country 2,3 ■ Canada ■ Chile ■ Credit Risk 66% ■ U.S. 2% 2% 4% 11% $417B 87% ■ Operational Risk $611B1 4% ■ Other International ■Mexico 5% ■ C&CA ■Market Risk 5% 7% 7% ■ Peru ■ Colombia Credit Exposure by Sector 1,2 Real Estate and Construction 6.0% Financial Services Wholesale and Retail 4.8% 4.2% Other 2.8% Technology and Media 2.7% Energy 2.6% Agriculture 2.3% Utilities 2.0% Automotive 2.0% Transportation 1.6% Food and Beverage 1.4% Health Care 1.0% Mining 1.0% Sovereign 0.8% Hospitality and Leisure 0.8% ■ Unsecured Forest Products 0.4% Personal & Commercial Lending Canadian Banking 1,2 International Banking1,2 ■ Secured 69% ■ Secured 6% $325B $67B 94% ■ Unsecured 31% 1 As at October 31, 2020 2% of total loans and acceptances 3 As at October 31, 2020 Metals 0.4% Chemicals 0.3% 41

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