Investor Presentaiton

Q2/17 Q3/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 BUSINESS & GOVERNMENT DEPOSITS1 (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) Q4/18 Q1/19 Q2/19 Deposit Overview Stable trend in personal & business and government deposits PERSONAL DEPOSITS (SPOT, CANADIAN DOLLAR EQUIVALENT, $B) $235 $225 $225 $215 $202 $204 $222 $223 $224 $200 $211 $198 $... 3Y CAGR 5.1% PERSONAL DEPOSITS • $10B of growth from Canada • Important for both relationship purposes and regulatory value Q3/19 $263 $223 $197 $211 $169 $174 $168 $221 $227 • $197 $172 $... $179 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 1 Calculated as business & government deposits less wholesale funding as per Wholesale Funding Sources table in the MD&A, adjusted for Sub Debt 3Y CAGR 16.0% Q2/20 • Q4/19 Q1/20 Q2/20 BUSINESS & GOVERNMENT Growth reflects portion of corporate drawdowns put back on deposit Continuing to leverage relationships to grow deposits Focusing on operational, regulatory friendly deposits 19 61

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