Investor Presentaiton

2007 2008 2009 3.00% 2010 2011 0.50% 0.40% 0.30% 0.19% 0.20% 0.10% 0.00% 2007 2012 2008 2009 2010 0.00% 0.80% 0.60% 0.40% 0.20% 0.12% 2007 2008 2009 0.23% 0.37% 0.35% 0.28% 2011 2012 2013 0.24% 2010 2011 2012 0.59% Historical Impaired PCL Ratios¹ 2013 2013 ALL BANK 0.47% 0.50% 0.45% 0.34% 0.36% 0.40% 0.42% 0.43% 0.32% 2014 CANADIAN BANKING 0.28% 0.23% 0.23% 0.23% 0.18% 2014 INTERNATIONAL BANKING 2.50% 2.00% 1.50% 1.00% 0.50% 0.25% 0.00% 0.44% 0.90% 1.00% 0.75% 0.75% 0.86% 1.27% 1.24% 1.26% 1.21% 1.29% 1.30% 1.49% 1.88% 2013 - Average (2007 - 2021) 1 Refer to page 141 of the Management's Discussion & Analysis in the Bank's 2021 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 2014 2015 2016 2017 2017 2018 2019 2015 2020 32 2 2016 2021 2017 2018 2019 Avg: 106 bps 2015 2016 2017 2018 0.29% 0.24% 0.29% 0.32% 2020 2021 2019 0.18% Avg: 26 bps 2020 0.49% 0.56% 0.53% H Avg: 41 bps 2021

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