Americas Wholesale and Retail Banking Overview

Well-Diversified Business with Strong Returns Earnings by Business Line 1,2,4 Wealth Management 17% Earnings by Market1,2,4 Caribbean and Europe Asia Brazil Central America 2% 2% 1% Colombia 1% C&CA Wholesale Banking 22% Global Wealth Management 17% 3% Peru 4% Chile Canadian Q3/21 YTD Banking P&C Personal & Commercial 6% Mexico Banking 6% Global Banking and EARNINGS MIX 42% 61% Q3/21 YTD EARNINGS MIX Canada $7.0B³ U.S. Markets 22% 7% $7.0B³ 69% International Banking P&C 19% Adjusted Return on Equity 1,2 by Business Line 21.6% 15.0% 14.9% 13.1% 11.6% 23.9% 17.1% 16.9% 14.8% 10.0% 3-year average ROE Canadian Banking International Banking Global Wealth Management 1Net income attributable to equity holders for the 9 months ended July 31, 2021; 2 Refer to Non-GAAP Measures on slide 80 for adjusted results; 3 Excludes Other segment; 4 May not add due to rounding 6 Global Banking and Markets All Bank

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