Investor Presentaiton

Credit Quality GILs1 ($MM) AND GIL RATIO1 81 bps 81 bps 84 bps 81 bps 78 bps 5,120 31 -285 1,222 5,148 26 209 1,209 5,053 26 302 1,049 5,279 39 33 5,116 224 286 1,067 1,040 3,582 3,704 3,676 3,949 3,757 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 NET WRITE-OFFS ($MM)² AND NET WRITE-OFFS RATIO 2,3 HIGHLIGHTS GIL ratio improved 3 bps Q/Q driven by the impact of foreign currency translation and higher write-offs in International Retail Banking GILs in Business Banking were stable, with new formations driven mainly by two accounts HIGHLIGHTS 76 bps 47 bps 47 bps 41 bps 43 bps Increased write-offs driven by International Retail Banking 1,141 13 219 732 750 1 13 33 632 674 25 265 266 26 201 227 910 • Business Banking write-offs were stable and trending towards pre-pandemic levels Peak quarter for write-offs 454 450 379 Q2/20 International Banking 448 Q3/20 Q4/20 Q1/21 Q2/21 (1) Canadian Banking Global Banking and Markets 1 As a percentage of period end loans and acceptances 2 Net write-offs are net of recoveries 3 As a percentage of average net loans and acceptances Global Wealth Management 13

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