Investor Presentaiton

International Banking $MM1 Q2/20 Y/Y Q/Q Reported • Net Income² $173 (72%) (66%) Pre-Tax, Pre Provision Profit $1,242 (15%) (5%) Revenue $2,707 (9%) (8%) • Expenses $1,465 (2%) (10%) PCLS $1,019 +74% +79% Productivity Ratio 54.1% +330 bps (160 bps) • Net Interest Margin³ 4.28% (34 bps) (23 bps) PCL Ratio4 2.78% +106 bps +121 bps PCL Ratio Impaired Loans4 1.45% +15 bps • Adjusted 5 Net Income² $197 (72%) (68%) Net Income - Ex Divested $197 (63%) (65%) Ops.2 Pre-Tax, Pre Provision Profit $1,287 (14%) (7%) YEAR-OVER-YEAR HIGHLIGHTS1 Adjusted Net Income ex. divestitures down 63% 2,5 o Higher performing loan PCLs Ex divested operations, PTPP up 1% Revenues ex. divestitures up 2% Strong loan and deposit growth of 11% ex. divestitures NIM down 34 bps³ 。 Mainly driven by asset mix, and lower rates due to policy rate reduction in Mexico Adjusted Expenses ex. divestitures up 2% о Good cost control across PAC and C&CA Adjusted YTD operating leverage of -0.6%5 ex. divestitures ADJUSTED NET INCOME 2,5 ($MM) AND NIM³ (%) Expenses $1,420 (3%) (8%) 4.62% 4.51% 4.51% 4.51% PCLS $1,019 +133% +107% 4.28% Productivity Ratio 52.5% +270 bps (40 bps) 724 761 725 615 141 PCL Ratio4 2.78% +147 bps +142 bps 156 154 55 PCL Ratio Impaired Loans4 1.45% +15 bps +8 bps 568 620 197 571 560 197 1 Y/Y and Q/Q growth rates (%) are on a constant dollars basis, while metrics and change in bps are on a reported basis Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 2 Attributable to equity holders of the Bank 3 Net Interest Margin is on a reported basis 4 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 5 Refer to Non-GAAP Measures on Slide 44 for adjusted results Ex. Divested Ops Divested Ops 32

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