Investor Presentaiton

Well-Diversified Business with Strong Returns Diversified by business and by market, providing stability and lowering risk Earnings by Business Line 1,2,3 Wealth Management 13% Global Wealth Management 13% Caribbean and Earnings by Market¹,2 Central America Colombia 2% C&CA Other 8% 5% Europe, Asia, Brazil, Australia Wholesale Banking 17% Global Banking & Markets 17% Canadian Banking FY 2019 P&C 38% EARNINGS MIX $9.2B3 International Banking P&C 32% Personal & Commercial Banking 70% Chile 6% Peru 9% FY 2019 EARNINGS MIX $9.2B3 Mexico 6% U.S. 9% Adjusted Return on Equity 12 by Division 19.0% 14.8% 13.3% 13.9% Canadian Banking International Banking Global Banking and Markets All Bank Canada 55% 1 Net income attributable to equity holdersor for the twelve months ended October 31, 2019; 2 Adjusted for Acquisition and divestiture-related amounts, including Day 1 PCL on acquired performing loans, integration and amortization costs related to current acquisitions, amortization of intangibles related to current and past acquisitions and losses/(gains) on divestitures and related costs; 3 Excluding Other segment 6

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