Investor Presentaiton

1.75% 1.41% 1.50% 1.25% 1.00% 0.77% 0.75% 0.50% 0.25% 0.00% 2005 2001 1.75% 0.00% 1.75% 1.50% 1.25% 1.27% 0.92% 1.00% 0.75% 0.50% 0.25% 2001 2004 2005 2006 1.50% 1.25% 1.00% 0.75% 0.50% 0.25% 0.00% 0.31% 0.30% 0.27% 0.28% 0.22% 0.20% 0.19% 0.23% 0.37% 0.35% 2005 2006 2007 2008 2009 1.00% 0.90% 0.86% 0.75% 0.75% 0.44% 0.23% 0.23% 0.23% 0.18% 0.25% 2010 INTERNATIONAL BANKING 1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures 22002: Included $454 million related to the Bank's exposure to Argentina; 2009: Higher PCLs driven by economic conditions, event distributed across business lines. Higher general allowance and sectoral allowance (automotive related) 2011 2007 2008 Historical PCL Ratios on Impaired Loans 0.57% 0.59% 0.47% 0.34% 0.36% 0.32% 0.40% 0.42% 0.25% 0.24% 0.14% 0.11% 0.12% 2012 CANADIAN BANKING 2013 2014 2011 2014 ALL BANK 2015 0.28% 0.23% 0.18% 0.23% 0.23% 0.28% 0.29% 0.24% 0.28% 0.33% 2015 2016 2017 1.27% 1.24% 1.26% 1.21% 1.29% 1.29% 1.41% 52 62 2018 2019 Q220 YTD 2016 2017 1,2 0.50% 0.45% 0.43% 0.49% 0.54% 2018 2019 Q220 YTD

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