International Banking and Growth

Canadian Residential Mortgage Portfolio (1) (2) €2 (Spot Balances as at Q1/15, $ billions) $93 $9 Total Portfolio: $189 billion Average LTV Insured Uninsured of uninsured 52% 48% mortgages is 55%¹ $84 $30 $5 $30 $3 $15 $25 $26 -$1 $12 $0 $9 $14 -$1 $12 $8 Ontario B.C. & Territories Alberta Quebec Atlantic Provinces Manitoba & Saskatchewan Freehold - $169B Condos - $20B LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet and CREA data Some figures on bar chart may not add due to rounding 28

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