Investor Presentaiton

Strong Capital & Liquidity . . CET1 Ratio 12.2% +6 bps +10 bps -4 bps +27 bps 11.8% Q4 2020 Reported Earnings less dividends Organic RWA (ex. FX) Pension remeasurement Other (including FX) Q1 2021 Reported Internal capital generation Strong internal capital generation, net of organic growth in RWA Additional benefits from pension remeasurement and book quality improvements primarily in retail, partly offset by the impact of foreign currency translation Strong Liquidity Coverage Ratio (LCR) of 129% and Net Stable Funding Ratio (NSFR) of 115% 1 Includes ~22 bps benefit from OSFI's partial inclusion of stage 1 and 2 ECL 6

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