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COVID-19 Business Impact Presentation

Retail 90+ Days Past Due Loans CANADA1 Q2/19 Q3/19 Q4/19 Q1/20 Q2/204 Mortgages 0.21% 0.21% 0.20% 0.21% 0.21% Personal Loans 0.56% 0.54% 0.58% 0.63% 0.72% Credit Cards 0.92% 0.83% 0.98% 1.02% 1.12% Secured and Unsecured Lines of Credit 0.30% 0.26% 0.26% 0.25% 0.26% Total 0.28% 0.27% 0.28% 0.29% 0.30% INTERNATIONAL Q2/192,3 Q3/192,3 Q4/192,3 Q1/202,3 Q2/202,3,4 Mortgages 3.16% 3.23% 3.10% 2.65% 3.05% Personal Loans 3.52% 3.55% 3.59% 3.89% 4.04% Credit Cards 3.01% 3.19% 3.26% 3.26% 3.35% TOTAL 3.23% 3.31% 3.26% 3.22% 3.36% 1 Includes Wealth Management 2 Includes acquisitions in Chile, Colombia 3 Includes acquisitions in Peru and Dominican Republic 4 Does not reflect impact of payment deferral programs 42 42

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