Digital Banking Strength and Strategic Funding

Focused on Higher Return Markets More Attractive Banking ROEs in Canada and Latam (Latest Reporting Period) 20% 15.3% 14.3% 15% 12.5% 10% 5% 0% 11.0% 10.0% 3-year average ROE 10.1% 8.0% 7.8% 5.6% Canada Latam Asia ~80% of All-Bank earnings Return on equity in latest reporting period for the leading bank by market share for loans in each country. Canada and US figures are average for five largest and 10 largest market share banks in each country, respectively Sources: Bloomberg LLP, Company Financial Reports. 2.4% S US Europe 9

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