Investor Presentaiton

Other Regions Leading Caribbean & Central American franchise Caribbean & Central America • Longstanding, diversified franchise serving retail, commercial, and corporate customers • Major markets include the Dominican Republic, Jamaica, Trinidad & Tobago, Costa Rica, Panama and The Bahamas • Sharpened geographic footprint by exiting higher risk, low growth jurisdictions including Haiti, El Salvador, Puerto Rico and 7 of the Leeward Islands Dominican Republic: #4 bank • Acquired Banco Dominicano del Progreso in 2019 Asia Thailand: 6% interest in TMB Bank • Reduce investment in Thailand in Q1/20 resulting ~6% TMB Bank China: 19.9% interest in Bank of Xi'an . CAD $815MM carrying value as of October 31, 2019 • CAD $496MM of net income for twelve months ended October 31, 2019 42 42

View entire presentation