Digital Banking Strength and Strategic Funding

Well-Diversified Business with Strong Returns Earnings by Business Line 1,2,3 Wealth Management 18% Global Wealth Management Caribbean and Central America Earnings by Market¹,2 Europe, Asia, Brazil, Australia Other C&CA 7% Chile 3% 4% Canadian 18% Banking P&C Personal & Commercial Peru 7% 35% Q3 2020 YTD Banking Mexico EARNINGS MIX 52% Q3 2020 YTD 5% $5.2B³ U.S. EARNINGS MIX $5.2B³ 10% Wholesale Banking Global Banking and Markets 30% 30% Adjusted Return on Equity 1,2 by Business Line International Banking P&C 17% 24.7% 16.7% 14.5% 15.1% 14.5% Canada 64% 3-year average ROE 14.5% 13.9% 15.6% 10.2% 5.8% International Banking Global Wealth Management Global Banking and Markets All Bank Canadian Banking 1Net income attributable to equity holdersor for the 9 months ended July 31, 2020; 2 Adjusted for acquisition and divestiture-related amounts, impact of additional pessimistic scenario in ACLs, Derivative Valuation Adjustment, and impairment charge on software asset; 3 Excluding Other segment and Colombia (loss) 6

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