Investor Presentation Q3 2020

Other Items Impacting Financial Results (Pre-Tax) ($MM) Canadian Banking Branch real estate gains Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q3/20 vs Q3/19 YTD20 vs YTD19 8 7 (15) Total 8 7 (15) International Banking One month reporting lag elimination 58 51 (7) Impact of closed divestitures 210 217 190 213 74 1 (189) (542) Total 268 217 190 213 125 1 (189) (549) Global Wealth Management One month reporting lag elimination Impact of closed divestitures 7 Total 7 20 20 20 3 3 155 9 110 9 (3) (29) 10 (3) (20) Other Metals business charges 20 Total 20 Total (Pre-Tax) 283 244 193 218 155 225 217 237 217 237 217 1 (192) (347) (After-Tax and NCI) ($MM)¹ Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q3/20 vs Q3/19 YTD20 vs YTD19 Canadian Banking Branch real estate gains Total 6 6 66 (12) (12) International Banking One month reporting lag elimination 41 37 (4) Impact of closed divestitures 163 162 147 159 59 1 (146) (412) Total 204 162 147 159 96 1 (146) (416) Global Wealth Management One month reporting lag elimination 6 6 Impact of closed divestitures 4 10 1 2 Total 4 10 1 2 16 (15) (1) (9) Other Metals business charges Total - Total (After-Tax and NCI) 214 178 Impact on diluted earnings per share $0.17 $0.14 148 $0.12 161 $0.13 222 20 212 232 20 212 - 232 122 212 1 (147) (205) $0.10 $0.17 ($0.12) ($0.16) 1 Items on this page have not been formally adjusted for determining the bank's Adjusted Net Income and Adjusted Diluted EPS 2 Pension and related insurance business in the Dominican Republic, sale of seven non-core markets in the Caribbean, Thanachart Bank in Thailand, pension fund operations in Colombia, operations in Puerto Rico and the U.S. Virgin Islands, insurance and banking operations in El Salvador, and operations in British Virgin Islands 30

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