Investor Presentation Q3 2020

Strong Capital & Liquidity +17 bps -7 bps 11.3% +31 bps -26 bps +28 bps 10.9% (1) Q2/20 Reported Earnings Dividends Lower RWA ECL Transitional Capital Relief Pension Q3/20 Reported Internal capital generation CET1 ratio 230 bps above OSFI minimum capital standard (versus 190 bps in Q2 2020) • +10 bps Y/Y, +40 bps Q/Q . • Lower risk-weighted assets (RWA) driven by repayments on corporate loan facilities and reductions in counterparty credit risk and credit valuation adjustment capital requirements LCR ratio of 141% 1 Net Income Available to Equity Holders 5

View entire presentation