Investor Presentaiton

Deposit Growth by Business Line Canadian Banking1 +16% Y/Y International Banking1,2,3 Global Banking and Markets³ 289 279 -1% Y/Y4 248 111 107 106 100 93 +27% 19 79 Y/Y 72 71 69 69 Flat Y/Y5 186 189 169 +12% Y/Y -2% 39 36 37 Y/Y5 Q1/20 Q4/20 Q1/21 Q1/20 Personal Q4/20 Q1/21 Non-Personal +33% Y/Y 149 150 113 Q1/20 Q4/20 Q1/21 Strong double-digit deposit growth Deposits excluding impact of divested operations up 4% Y/Y and core deposits up 19% Y/Y Continued focus on deposit generation, accelerated by customer liquidity requirements 1 May not add due to rounding 2 Y/Y growth rates are on a constant dollar 3 Includes deposits from banks Average deposits declined 5% Y/Y on a reported basis. Excluding impact of divestitures and on a constant dollar basis, deposits grew 4% Y/Y 5 Excluding impact of divestitures and on a constant currency basis, non-personal deposits grew 3% Y/Y and personal deposits grew 8% Y/Y 27 22

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