Third Quarter 2021 Investor Presentation

Loan Growth by Business Line Canadian Banking +9% 381 International Banking1 (Growth rates are constant FX) 351 +12% 64 57 6 -24% 151 8 68 -4% 71 78 0%2² 138 75 75 +5% Global Banking and Markets 10 -7 -29% 97 46 243 215 23 18 -12% +13% 40 38 +4% Q1/20 (Pre-Pandemic) Q3/21 Q1/20 (Pre-Pandemic) Q3/21 Residential mortgages Personal loans Credit cards Business Q1/20 (Pre-Pandemic) -6% 91 Q3/21 Strong loan growth driven by residential mortgages and business lending, partially offset by reductions in credit cards and personal loans 1 Y/Y growth rates are on a constant dollar basis Loans flat to Pre-Pandemic levels at constant dollars, with higher commercial and residential mortgages balances offset by lower personal and credit card loans Excluding the impact of divestitures and on a constant dollar basis, Loans increased 3% Y/Y Decline vs Pre-Pandemic levels due to liquidity in public debt markets as well as the impact of foreign currency translation 27

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