Investor Presentaiton

Q2/17 Q3/17 Q4/17 Q1/18 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 38.3% 37.5% 36.6% 38.7% Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q1/19 Q2/19 Q3/19 Wholesale Funding Utilization Managing reliance on wholesale funding and growing deposits WHOLESALE FUNDING / TOTAL ASSETS 25.1% 23.8% 22.9% 20.9% REDUCTION IN WHOLESALE FUNDING DRIVEN BY FUNDING THROUGH CENTRAL BANK PROGRAMS Accessed central bank liquidity programs to support lending to the real economy and promote stability of financial markets o Accessed term wholesale funding markets in both secured and senior form Q4/19 Q1/20 Q2/20 FOCUS ON TERM FUNDING Prudently using money market funding to absorb short term funding requirements o Primarily driven by increases in certificate of deposits, commercial paper and bearer notes 62 62

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