Investor Presentaiton

Well Provisioned • $7.4 billion in total ACLs • 56% increase ($2 billion) in performing Total ACLs ($MM) 7,403 6,079 1,958 +45% 5,273 5,145 5,095 1,717 1,749 1,663 1,607 ACLS over the past 2 quarters. 5,445 • Adequate coverage for future net write- 4,362 3,524 3,482 3,488 offs Total Impaired ACLs ($MM)1 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Performing ACLS Impaired ACLS Total Performing ACLs ($MM) 5,445 +22% 4,362 3,524 3,482 3,488 1,749 1,663 1,607 1,717 1,958 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 1 Includes allowances for credit losses on Off-Balance Sheet exposures and acceptances, debt securities and deposits with financial institutions +56% 51

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