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<td id="tx93977_1a" style="width:4%;vertical-align:top;text-align:left">1.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Reporting entity </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank of Nova Scotia (the Bank) is a chartered bank under the Bank Act (Canada) (the Bank Act). The Bank is a Schedule I bank under the Bank Act and is regulated by the Office of the Superintendent of Financial Institutions (OSFI). The Bank is a global financial services provider offering a diverse range of products and services, including personal, commercial, corporate and investment banking. The head office of the Bank is located at 1709 Hollis Street, Halifax, Nova Scotia, Canada and its executive offices are at 40 Temperance Street, Toronto, Canada. The common shares of the Bank are listed on the Toronto Stock Exchange and the New York Stock Exchange. </div>
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<tr style="page-break-inside:avoid">
<td id="tx93977_2a" style="width:4%;vertical-align:top;text-align:left">2.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Basis of preparation </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">Statement of compliance </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">These condensed interim consolidated financial statements were prepared in accordance with IAS 34, Interim Financial Reporting, using the same accounting policies as described in Note 3 of the audited consolidated financial statements in the 2025 Annual Report. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">These condensed interim consolidated financial statements do not include all of the information required for a complete set of financial statements prepared in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB). These condensed interim consolidated financial statements should be read in conjunction with the audited consolidated financial statements in the 2025 Annual Report. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The condensed interim consolidated financial statements for the quarter ended July 31, 2026 have been approved by the Board of Directors for issue on August 25, 2026. </div> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">Functional and presentation currency </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">These condensed interim consolidated financial statements are presented in Canadian dollars, which is the Bank’s functional currency. All financial information presented in Canadian dollars has been rounded to the nearest million unless otherwise stated. </div> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">Use of estimates and judgements </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The preparation of financial statements requires management to make estimates, assumptions and apply judgements that affect the reported amount of assets and liabilities at the date of the condensed interim consolidated financial statements, and income and expenses during the reporting period. Estimates made by management are based on historical experience and other assumptions that are believed to be reasonable. The areas requiring estimates, assumptions and judgements are consistent with those disclosed in Note 2 of the audited consolidated financial statements in the 2025 Annual Report. While management makes its best estimates and assumptions, actual results could differ from these estimates and assumptions. </div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Currently, there continues to be uncertainty surrounding U.S. trade policies and the impact of tariffs as well as geopolitical developments, including the conflict in the Middle East and its impact on global commodity markets. This results in increased measurement uncertainty for estimates used in financial reporting. In particular, the allowance for credit losses, using an expected credit loss approach as required under IFRS 9, is estimated using complex models and incorporates inputs, assumptions, and techniques that require a high degree of judgement and is heavily dependent on the forecast of macroeconomic variables. Due to the ongoing uncertainty surrounding the macroeconomic environment, estimates and valuation models applied based on conditions and information existing as at July 31, 2026 may be significantly different from the actual outcome. </div></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_3" style="width:4%;vertical-align:top;text-align:left">3.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Material accounting policies </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">These condensed interim consolidated financial statements should be read in conjunction with the Bank’s audited consolidated financial statements for the year ended October 31, 2025 included in the 2025 Annual Report. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The material accounting policies used in the preparation of the condensed interim consolidated financial statements are consistent with those as described in Note 3 of the audited consolidated financial statements in the 2025 Annual Report. </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_4" style="width:4%;vertical-align:top;text-align:left">4.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Future accounting developments </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">There are no significant updates to the future accounting developments disclosed in Note 4 of the Bank’s audited consolidated financial statements in the 2025 Annual Report. </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_5" style="width:4%;vertical-align:top;text-align:left">5.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Cash and deposits with financial institutions </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:68%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">October 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Cash and <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest-bearing</div> deposits with financial institutions</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,329</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,103</td>
<td style="white-space: nowrap; vertical-align: bottom; padding: 0px;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,256</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest-bearing deposits with financial institutions</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,126</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding: 0px;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">70,198</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; padding: 0px;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55,711</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 62,455</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 79,301</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: top; width: 3%; padding: 0pt;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 65,967</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Net of allowances of $3 (April 3<div style="letter-spacing: 0px; top: 0px;display:inline;">0</div>, 2026 – $3; October 31, 2025 – $4). </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank is required to maintain balances with central banks, other regulatory authorities and certain counterparties and these amounted to $6,024 million (April 30, 2026 – $5,720 million; October 31, 2025 – $6,759 million) and are included above. </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:68%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">October 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Cash and <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest-bearing</div> deposits with financial institutions</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,329</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,103</td>
<td style="white-space: nowrap; vertical-align: bottom; padding: 0px;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,256</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest-bearing deposits with financial institutions</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,126</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding: 0px;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">70,198</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; padding: 0px;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55,711</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 62,455</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 79,301</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: top; width: 3%; padding: 0pt;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 65,967</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Net of allowances of $3 (April 3<div style="letter-spacing: 0px; top: 0px;display:inline;">0</div>, 2026 – $3; October 31, 2025 – $4). </div> </td> </tr> </table>
10329000000
9103000000
10256000000
52126000000
70198000000
55711000000
62455000000
79301000000
65967000000
3000000
3000000
4000000
6024000000
5720000000
6759000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_6" style="width:4%;vertical-align:top;text-align:left">6.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Investment securities </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table presents the carrying amounts of the Bank’s investment securities per measurement category. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 67%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">October 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Debt investment securities measured at FVOCI</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">128,066</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">125,491</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">123,732</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Debt investment securities measured at amortized cost</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,221</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,988</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,722</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity investment securities designated at FVOCI</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">402</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">313</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">398</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity investment securities measured at FVTPL</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,969</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,012</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,073</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Debt investment securities measured at FVTPL</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%; padding: 0px;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">23</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total investment securities</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">152,681</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 149,806</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 149,948</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr> </table> </div> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(a) Debt investment securities measured at fair value through other comprehensive income (FVOCI) </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:85%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at July 31, 2026 ($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cost</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> gains</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> losses</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government issued or guaranteed debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,893</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">90</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">192</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,791</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,258</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">93</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">256</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,095</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agency debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,608</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">805</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,876</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign government debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,336</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">230</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">299</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,267</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other debt</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,059</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">32</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,037</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">129,154</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">496</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,584</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">128,066</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026 ($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Cost</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gross<br/> unrealized<br/> gains</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gross<br/> unrealized<br/> losses</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government issued or guaranteed debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,492</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">107</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">156</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,443</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24,000</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">144</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">151</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,993</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agency debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,400</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">242</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">552</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,090</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign government debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,698</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">230</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">215</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,713</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other debt</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,261</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">15</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,252</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">125,851</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">738</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,098</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 125,491</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025 ($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Cost</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gross<br/> unrealized<br/> gains</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gross<br/> unrealized<br/> losses</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government issued or guaranteed debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22,815</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">359</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">64</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,110</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,490</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">430</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">77</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,843</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agency debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">49,111</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">483</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">558</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">49,036</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign government debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,570</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">358</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">202</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,726</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other debt</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,007</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,017</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 122,993</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,661</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">922</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">123,732</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(b) Debt investment securities measured at amortized cost </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 44%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">April 30, 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Carrying<br/> value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying<br/> value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying<br/> value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal and provincial government issued or guaranteed debt</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,792</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,759</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,733</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,698</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,553</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,467</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agency debt</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,471</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,190</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13,596</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,114</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,758</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign government debt</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,967</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,968</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,907</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,906</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,285</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,281</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate debt</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">307</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">304</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">274</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">270</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">223</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">216</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,537</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,221</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 21,510</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 21,988</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 23,239</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 23,722</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div> <div style="font-size: 2pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Balances are net of allowances, which are $1 (April 30, 2026 – $2; October 31, 2025 – $1). </div> </td> </tr> </table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: Arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div> <div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(c) Equity investment securities designated at fair value through other comprehensive income (FVOCI) </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 65%;"><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at July 31, 2026 ($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cost</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/>unrealized<br/>gains</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/>unrealized<br/>losses</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common shares</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">233</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">170</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">402</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">233</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">170</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">402</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Cost</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common shares</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">154</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">160</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">313</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">154</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">160</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">313</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Cost</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common shares</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">178</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">221</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">398</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 178</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 221</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 398</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div> </div> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Dividend income earned on equity securities designated at FVOCI of $1 million for the three months ended July 31, 2026 (April 30, 2026 – $8 million; July 31, 2025 – $1 million) and for the nine months ended July 31, 2026 – $9 million (July 31, 2025 – $46 million) has been recognized in interest income. </div> <div style="margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%; font-size: 8pt; font-family: Arial; text-align: left;">During the three months ended July 31, 2026, the Bank has disposed of certain equity securities designated at FVOCI with a fair value of $6 million (April 30, 2026 – $87 million; July 31, 2025 – $25 million) and for the nine months ended July 31, 2026 – $93 million (July 31, 2025 – $1,839 million) for economic reasons and according to its investment strategy. This has resulted in a realized gain of $0.1 million in the three months ended July 31, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2026 (April 30, 2026 – realized gain of </div></div>$87 million; July 31, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2025 – realized loss of </div></div>$27 million) and for the nine months ended July 31, 2026 – realized gain of $87 million (July 31, <div style="letter-spacing: 0px; top: 0px;display:inline;">2025 – realized gain of </div>$512 million). </div>
<div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table presents the carrying amounts of the Bank’s investment securities per measurement category. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 67%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">October 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Debt investment securities measured at FVOCI</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">128,066</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">125,491</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">123,732</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Debt investment securities measured at amortized cost</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,221</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,988</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,722</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity investment securities designated at FVOCI</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">402</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">313</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">398</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity investment securities measured at FVTPL</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,969</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,012</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,073</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Debt investment securities measured at FVTPL</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%; padding: 0px;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">23</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 67%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total investment securities</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">152,681</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 149,806</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 149,948</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr> </table>
128066000000
125491000000
123732000000
22221000000
21988000000
23722000000
402000000
313000000
398000000
1969000000
2012000000
2073000000
23000000
2000000
23000000
152681000000
149806000000
149948000000
<div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(a) Debt investment securities measured at fair value through other comprehensive income (FVOCI) </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:85%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at July 31, 2026 ($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cost</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> gains</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> losses</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government issued or guaranteed debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,893</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">90</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">192</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,791</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,258</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">93</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">256</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,095</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agency debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,608</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">805</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,876</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign government debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,336</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">230</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">299</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,267</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other debt</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,059</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">32</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,037</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">129,154</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">496</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,584</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">128,066</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026 ($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Cost</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gross<br/> unrealized<br/> gains</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gross<br/> unrealized<br/> losses</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government issued or guaranteed debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,492</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">107</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">156</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,443</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24,000</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">144</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">151</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,993</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agency debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,400</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">242</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">552</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,090</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign government debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,698</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">230</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">215</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,713</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other debt</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,261</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">15</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,252</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">125,851</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">738</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,098</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 125,491</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025 ($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Cost</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gross<br/> unrealized<br/> gains</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gross<br/> unrealized<br/> losses</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government issued or guaranteed debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22,815</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">359</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">64</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,110</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,490</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">430</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">77</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,843</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agency debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">49,111</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">483</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">558</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">49,036</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign government debt</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,570</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">358</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">202</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,726</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other debt</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,007</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,017</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 122,993</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,661</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">922</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">123,732</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table>
24893000000
90000000
192000000
24791000000
24258000000
93000000
256000000
24095000000
48608000000
73000000
805000000
47876000000
28336000000
230000000
299000000
28267000000
3059000000
10000000
32000000
3037000000
129154000000
496000000
1584000000
128066000000
23492000000
107000000
156000000
23443000000
24000000000
144000000
151000000
23993000000
47400000000
242000000
552000000
47090000000
27698000000
230000000
215000000
27713000000
3261000000
15000000
24000000
3252000000
125851000000
738000000
1098000000
125491000000
22815000000
359000000
64000000
23110000000
20490000000
430000000
77000000
20843000000
49111000000
483000000
558000000
49036000000
27570000000
358000000
202000000
27726000000
3007000000
31000000
21000000
3017000000
122993000000
1661000000
922000000
123732000000
<div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(b) Debt investment securities measured at amortized cost </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 44%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">April 30, 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Carrying<br/> value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying<br/> value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying<br/> value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal and provincial government issued or guaranteed debt</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,792</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,759</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,733</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,698</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,553</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,467</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agency debt</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,471</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,190</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13,596</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,114</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,758</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign government debt</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,967</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,968</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,907</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,906</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,285</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,281</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate debt</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">307</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">304</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">274</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">270</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">223</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">216</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 44%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,537</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,221</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 21,510</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 21,988</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 23,239</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 23,722</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div> <div style="font-size: 2pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Balances are net of allowances, which are $1 (April 30, 2026 – $2; October 31, 2025 – $1). </div> </td> </tr> </table>
5792000000
5759000000
5733000000
5698000000
5553000000
5467000000
13471000000
14190000000
13596000000
14114000000
15178000000
15758000000
1967000000
1968000000
1907000000
1906000000
2285000000
2281000000
307000000
304000000
274000000
270000000
223000000
216000000
21537000000
22221000000
21510000000
21988000000
23239000000
23722000000
1000000
2000000
1000000
<div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div> <div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(c) Equity investment securities designated at fair value through other comprehensive income (FVOCI) </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 65%;"><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at July 31, 2026 ($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cost</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/>unrealized<br/>gains</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/>unrealized<br/>losses</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common shares</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">233</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">170</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">402</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">233</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">170</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">402</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Cost</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common shares</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">154</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">160</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">313</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">154</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">160</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">313</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td>
<td colspan="4" style="height:6pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Cost</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common shares</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">178</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">221</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">398</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 178</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 221</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 398</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div>
233000000
170000000
1000000
402000000
233000000
170000000
1000000
402000000
154000000
160000000
1000000
313000000
154000000
160000000
1000000
313000000
178000000
221000000
1000000
398000000
178000000
221000000
1000000
398000000
1000000
8000000
1000000
9000000
46000000
6000000
87000000
25000000
93000000
1839000000
100000
87000000
-27000000
87000000
512000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_7" style="width:4%;vertical-align:top;text-align:left">7.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Loans, impaired loans and allowance for credit losses </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(a) Loans at amortized cost </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:71%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Allowance<br/> for credit<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Net<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">366,643</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">365,148</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108,016</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">105,744</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,365</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,208</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">286,860</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">284,455</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 777,884</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 7,329</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 770,555</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:41%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">April 30, 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">368,495</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,450</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">367,045</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">370,191</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,460</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">368,731</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">108,355</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,254</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">106,101</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">110,567</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,432</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">108,135</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16,040</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,166</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,874</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18,045</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,355</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16,690</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">271,694</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,280</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">269,414</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">279,705</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,216</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">277,489</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 764,584</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,150</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 757,434</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 778,508</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,463</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 771,045</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> </div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: right;"> </div> <div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div> <div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(b) Impaired loans<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div> </div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:72%"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> impaired<br/> loans</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Allowance<br/> for credit<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Net<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,058</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,208</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,798</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,706</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,801</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,498</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,303</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">By geography:</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canada</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,876</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">784</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,092</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">United States</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">119</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">110</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Mexico</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,526</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">551</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">975</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Peru</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">759</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">370</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Chile</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,467</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">366</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,101</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other international</div> </td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,054</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">399</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">655</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,801</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,498</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,303</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:48%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">April 30, 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> impaired<br/> loans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> impaired<br/> loans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,904</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">841</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,063</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,903</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">840</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,063</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">975</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">566</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">409</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,071</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">604</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">467</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,729</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,001</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,728</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,270</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">897</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,373</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">7,608</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2,408</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5,200</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">7,244</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2,341</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">4,903</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">By geography:</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canada</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,798</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">796</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,002</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,416</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">683</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,733</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">United States</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">124</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">111</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Mexico</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,515</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">570</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">945</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,494</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">535</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">959</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Peru</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">739</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">367</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">372</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">823</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">400</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">423</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Chile</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,452</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">344</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,108</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,420</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">332</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,088</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other international</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">980</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">318</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">662</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,091</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">391</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">700</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">7,608</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2,408</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5,200</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">7,244</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2,341</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">4,903</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> </div> <div style="font-size: 2pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income recognized on impaired loans during the three months ended July 31, 2026 was $78 (April 30, 2026 – $29; October 31, 2025 – $23). </div> </td> </tr> </table> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(c) Allowance for credit losses </div> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(i)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Key inputs and assumptions </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank’s allowance for credit losses is measured using a three-stage approach based on the extent of credit deterioration since origination. The calculation of the Bank’s allowance for credit losses is an output of a set of complex models with a number of underlying assumptions regarding the choice of variable inputs and their interdependencies. Some of the key drivers include the following: </div> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Changes in risk ratings of the borrower or instrument reflecting changes in their credit quality; </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Changes in the volumes of transactions; </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Changes in the forward-looking macroeconomic environment reflected in the variables used in the models such as GDP growth, unemployment rates, commodity prices, interest rates, and house price indices, which are closely related with credit losses in the relevant portfolio; </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Changes in macroeconomic scenarios and the probability weights assigned to each scenario; and </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Borrower migration between the three stages. </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank determines its allowance for credit losses using four probability-weighted forward-looking scenarios (base case, optimistic, pessimistic and very pessimistic). </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank considers both internal and external sources of information and data to achieve unbiased projections and forecasts in determining the allowance for credit losses. The Bank prepares the scenarios using forecasts generated by Scotiabank Economics (SE). The forecasts are generated using models whose outputs are modified by SE as necessary to formulate a ‘base case’ view of the most probable future direction of economic developments. The development of the base case and alternative scenarios is overseen by a governance committee that consists of internal stakeholders from across the Bank. The final base case and alternative scenarios reflect significant review and oversight, and incorporate judgement both in the determination of the scenarios’ forecasts and the probability weights that are assigned to them. </div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: left;text-indent: 0px;"> </div> <div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;text-indent: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(ii)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Key macroeconomic variables </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">The inputs and models used for calculating expected credit losses may not always capture all characteristics of the market at the date of the financial statements. Qualitative adjustments or overlays may be made for certain portfolios or geographies as temporary adjustments in circumstances where, in the Bank’s view, the inputs, assumptions, and/or modelling techniques do not capture all relevant risk factors, including the emergence of economic or geopolitical events, up to the date of the financial statements. As required under IFRS 9, the allowance for credit losses at each reporting period must be based on inputs, assumptions and information available up to that date. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">The Bank has generated a forward-looking base case scenario and three alternative forward-looking scenarios (one optimistic and two pessimistic) as key inputs into the expected loss provisioning models. Given the uncertainty surrounding U.S. trade policies and the direction of tariffs, the scenarios as of July 31, 2026 have varying assumptions of imposed tariffs. The base case scenario assumes tariffs announced and implemented, avoiding speculation on future announcements, including potential trade deals and tariff pauses. Differing assumptions are reflected in the alternative scenarios described below. As new information comes to light in the future, the scenarios and assumptions will be updated accordingly. </div> <div style="letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The higher tariff landscape and tensions in the Middle East are still impacting our base case. Our working assumptions are that in coming months, CUSMA negotiations will conclude with only a mild impact on effective tariff rates, and that conditions in the Middle East improve sufficiently for commodity prices and transportation costs to start easing. The Canadian economic outlook now features a more pronounced deceleration in 2026, mostly because GDP in the first quarter of this year recorded a mild decline due to temporary factors. GDP growth is expected to strengthen thereafter with the reversal of these factors, alongside a diminishing impact on growth from higher tariffs, lagged effects from past interest rate cuts, and planned increases in defen<div style="display:inline;">c</div>e and public infrastructure spending. Economic growth in the U.S. is projected to slow modestly from 2025 to 2026-2027, as the expected moderation in household expenditures will be largely offset by robust growth in business investment, mostly AI-related and supported by healthy corporate balance sheets. Monetary policy paths are still expected to diverge across the two economies, reflecting differing economic conditions and inflation pressures. By mid-2027, the Bank of Canada is expected to raise its policy rate by a cumulative 75 basis points while the Federal Reserve is expected to reduce its policy rate by 50 basis points. </div></div></div> <div style="letter-spacing: 0px; top: 0px; text-indent: 0px; background: none;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px; background: none; text-decoration: none;display:inline;"> </div></div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;"><div style="text-indent: 0px; letter-spacing: 0px; top: 0px;display:inline;">The optimistic scenario features somewhat stronger economic activity relative to the base case. The pessimistic scenario features a negative demand-type shock with globally tighter financial conditions, weaker growth and inflation, and lower monetary policy rates than in the base case scenario. It also assumes a combination of U.S. imposed tariffs on world economies, including an effective tariff of</div> 7.5% <div style="letter-spacing: 0px; top: 0px;display:inline;">on imports from Canada and Mexico, while facing no retaliation from these countries. The very pessimistic scenario features a strong stagflationary impulse that leads to a protracted period of financial market uncertainty. Ongoing geopolitical events in Iran also contribute to this stagflation impulse through higher prices for oil and other commodities. This scenario also assumes U.S. imposed tariffs with a magnitude about three times that of the pessimistic scenario. Under this scenario, all countries retaliate. This will result in higher inflation, requiring central banks to raise their policy rates to higher levels than in the base case to bring inflation under control, which will dampen economic activity. </div> </div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: right;"> </div> <div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div> <div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following tables show certain key macroeconomic variables used to calculate the modelled estimate for the allowance for credit losses. Further changes in these variables up to the date of the financial statements are incorporated through expert credit judgement. For the base case, optimistic and pessimistic scenarios, the projections are provided for the next 12 months and for the remaining forecast period, which represents a medium-term view. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:39%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Base Case Scenario</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Optimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Pessimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Very Pessimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Canada</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Bank of Canada overnight rate target, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">HPI - Housing Price Index, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-6.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-9.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">USD/CAD exchange rate, average</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.33</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.29</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.32</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.27</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.40</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.27</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.48</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.29</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">U.S.</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Target federal funds rate, upper limit, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Mexico</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Chile</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-3.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Peru</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Caribbean</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-0.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Global</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">WTI oil price, average USD/bbl</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">79</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">69</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">85</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">81</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">68</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">62</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">127</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Copper price, average USD/lb</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.89</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.37</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.07</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.91</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.43</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.24</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.93</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.22</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Global GDP, y/y % change</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.7</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.9</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:39%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Base Case Scenario</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Optimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
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<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Pessimistic</td>
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<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Very Pessimistic</td>
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<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
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<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
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<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Canada</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Bank of Canada overnight rate target, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">HPI - Housing Price Index, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-5.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-8.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">USD/CAD exchange rate, average</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.34</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.30</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.33</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.28</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.40</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.28</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.48</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.30</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">U.S.</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-3.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Target federal funds rate, upper limit, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Mexico</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Chile</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Peru</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Caribbean</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Global</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">WTI oil price, average USD/bbl</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">85</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">69</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">89</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">83</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">74</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">63</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">130</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">74</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Copper price, average USD/lb</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.39</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.86</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.51</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.38</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.99</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.74</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.41</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.72</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Global GDP, y/y % change</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">0.3</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3.4</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">-2.3</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3.9</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: left;"> </div><div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:39%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Base Case Scenario</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Alternative Scenario<br/> Optimistic</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Alternative Scenario<br/> Pessimistic</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Alternative Scenario<br/> Very Pessimistic</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Remaining<br/> Forecast<br/> Period</td>
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<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Canada</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Bank of Canada overnight rate target, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">HPI - Housing Price Index, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-2.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-5.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">USD/CAD exchange rate, average</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.32</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.30</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.31</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.29</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.37</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.29</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.45</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.30</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">U.S.</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Target federal funds rate, upper limit, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Mexico</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-5.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Chile</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Peru</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Colombia</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Caribbean</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Global</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">WTI oil price, average USD/bbl</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">60</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">66</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">64</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">78</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">53</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">61</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">45</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Copper price, average USD/lb</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.19</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.68</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.29</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.03</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.92</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.60</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.61</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.47</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Global GDP, y/y % change</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2.2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2.7</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3.0</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3.5</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">0.3</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3.2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">-2.2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3.7</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table></div><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(iii)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Sensitivity </div></td></tr></table><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Relative to the base case scenario, the weighting of these multiple scenarios increased the reported allowance for credit losses for financial assets in Stage 1 and Stage 2 to $5,040 million (April 30, 2026 – $4,936 million; October 31, 2025 – $5,313 million) from $4,726 million (April 30, 2026 – $4,644 million; October 31, 2025 – $5,018 million). </div><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank enhanced certain of its IFRS 9 models in the prior year, with the enhanced models exhibiting higher sensitivity to changes in the macroeconomic outlook. If the Bank was to apply a probability weighted average of its two pessimistic scenarios for the measurement of allowance for credit losses for such assets, the allowance for credit losses on performing financial instruments would be $649 million higher than the reported allowance for credit losses as at July 31, 2026 (April 30, 2026 – $591 million; October 31, 2025 – $786 million), excluding the consideration of changes in qualitative overlays or expert credit judgement. Actual results will differ as this does not consider the migration of exposures or incorporate changes that would occur in the portfolio due to risk mitigation actions and other factors. </div><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Under our current probability-weighted scenarios, if all performing financial assets were in Stage 1, reflecting a 12 month expected loss period, the allowance for credit losses would be $800 million (April 30, 2026 – $807 million; October 31, 2025 – $801 million) lower than the reported allowance for credit losses on performing financial assets. </div><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(iv)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Allowance for credit losses </div></td></tr></table><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:55%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align: bottom; width: 4%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td colspan="20" style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div></td>
<td style="vertical-align:top"><div style="margin-top: 0px; margin-bottom: 0px; margin-left: 0em; text-indent: 0em; font-size: 8pt; font-family: Arial; line-height: normal;"> </div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);">Balance as at<br/> November 1,<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: Arial; text-align: right; line-height: normal;">Provision</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: Arial; text-align: right; line-height: normal;">for<br/> credit losses<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);">Net write-<br/> offs</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);">Other, including<br/> foreign currency<br/> adjustment</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Balance as at<br/> July 31,<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,460</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(99</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 4%;">)</td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(55</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">)</td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,432</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,380</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,271</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 4%;">)</td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(269</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">)</td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,355</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">893</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(913</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 4%;">)</td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">)</td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,392</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,004</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(561</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(227</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,608</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 7,639</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,466</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (2,844)</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"><br/></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (729)</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><br/></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 7,532</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Presented as:</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on loans</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,463</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,329</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on acceptances<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 175</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">202</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes amounts associated with other assets of $6. The provision for credit losses, net of these amounts, is $3,472. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></td></tr></table><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div style="font-size: 10pt; margin-top: 1.67em; margin-bottom: 1.67em;font-weight: bold;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: right;"> </div><div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:55%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Balance as at<br/> November 1,<br/> 2024</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Provision<br/> for<br/> credit losses<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net write-<br/> offs</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Other, including<br/> foreign currency<br/> adjustment</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Balance as at<br/> July 31,<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,208</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">270</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(72</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,430</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,319</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,499</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,353</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(78</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,387</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,160</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,029</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(942</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,036</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">817</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(466</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(83</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,304</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 6,723</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 3,615</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> (2,833</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> (134</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">7,371</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Presented as:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,536</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 7,197</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on acceptances<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 186</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">173</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes amounts associated with other assets and reversal of impairment losses of $(14). The provision for credit losses, net of these amounts, is $3,601. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></td></tr></table><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:67%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Allowance for credit losses on loans</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">209</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">436</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><br/></td>
<td style="vertical-align: bottom; width: 3%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 67%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">578</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><br/></td>
<td style="vertical-align: bottom; width: 3%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">894</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><br/></td>
<td style="vertical-align: bottom; width: 3%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 67%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">733</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,783</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,048</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,498</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><br/></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,329</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes allowance for credit losses of $222 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:67%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 2</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Total</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">196</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">424</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">840</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,460</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">613</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,215</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">604</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,432</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">338</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,017</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,355</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">713</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">606</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">897</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,216</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 1,860</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 3,262</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 2,341</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,463</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:67%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 2</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Total</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">447</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">798</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,430</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">564</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,223</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">600</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,387</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">309</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">941</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">699</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">595</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">836</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,130</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 1,757</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 3,206</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 2,234</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,197</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes allowance for credit losses of $189 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: left;"> </div><div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div><div style="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Arial">The following table presents the changes to the allowance for credit losses on loans. </div><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:7.5pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 52%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="30" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at and for the three months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Retail loans:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">452</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">748</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,378</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(51</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(73</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">118</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">66</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">67</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(61</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">80</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(64</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(43</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">69</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(26</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(45</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(45</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(39</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(39</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">209</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">436</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">447</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">798</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,430</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">534</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,228</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">617</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,379</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(166</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">225</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">332</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">391</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(136</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">201</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">318</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">383</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">87</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">87</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">94</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">94</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(27</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(52</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(23</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(34</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(57</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">152</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(148</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(142</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(36</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">65</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(54</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">87</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(33</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(111</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">112</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(115</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">117</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(504</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(504</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(508</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(508</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">85</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">85</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">8</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">578</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">564</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,223</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">600</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,387</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">292</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">943</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,235</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">187</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">260</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(67</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">168</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">188</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">289</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">41</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">41</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(5</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">69</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(69</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">86</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(86</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(24</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(39</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">39</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(101</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">101</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(102</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">102</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(342</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(342</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(368</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(368</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">894</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">309</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">941</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Total retail loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">998</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,465</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,407</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,870</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,004</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,623</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,365</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,992</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(267</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">405</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">569</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">707</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(276</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">390</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">624</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">738</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">118</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">118</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(34</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(41</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(75</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(35</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(56</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(91</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">288</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(278</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">312</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(292</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(20</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(69</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">141</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(72</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(103</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">195</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(92</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(237</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">238</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(243</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(891</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(891</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(915</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(915</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">135</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">135</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">34</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,050</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,468</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,406</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,924</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,058</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,611</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,398</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 5,067</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-retail</div> loans:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Business and government</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">829</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">625</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,455</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">820</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">611</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,267</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(126</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">297</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">193</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(50</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">69</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">213</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">232</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">308</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">308</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(347</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(58</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(417</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(40</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(294</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: Arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">82</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">131</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(37</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(16</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;">Gross write-offs</td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(192</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(192</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(210</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(210</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(20</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period including <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">883</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">619</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,105</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,607</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">845</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">622</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,303</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Less: Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(150</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(39</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(13</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(202</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(146</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(27</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(173</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="text-indent: -1em; font-family: Arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Balance at end of period<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">2</div>)</div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">733</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">699</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">595</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,130</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div style="font-size: 10pt; margin-top: 1.67em; margin-bottom: 1.67em;font-weight: bold;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: right;"> </div><div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:7.5pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 53%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="30" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at and for the nine months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Retail loans:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">196</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">424</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">840</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,460</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">398</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">645</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,208</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(178</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">145</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">224</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">191</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(172</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">123</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">319</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">270</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">32</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">32</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(28</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(34</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(23</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">201</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(178</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(23</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">196</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(156</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(40</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">180</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(151</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(33</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(156</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(75</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">75</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(75</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">75</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(117</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(117</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(91</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(91</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">18</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">18</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(7</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(32</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(16</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(55</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">18</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">209</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">436</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">447</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">798</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,430</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">613</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,215</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">604</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,432</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">544</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,154</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">621</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,319</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(473</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">687</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,057</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,271</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(464</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">797</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,079</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,412</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">288</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">288</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(68</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(85</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(153</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(66</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(110</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(176</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(33</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(25</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">445</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(435</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">457</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(445</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(116</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">201</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(85</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(160</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">249</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(89</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(335</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">338</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(361</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">367</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,488</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,488</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,583</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,583</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">217</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">217</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">230</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">230</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(82</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(110</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(77</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(269</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(32</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(28</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(18</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(78</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">578</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">564</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,223</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">600</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,387</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">338</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,017</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,355</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">288</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">872</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,160</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(189</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">466</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">600</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">877</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(218</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">571</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">652</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,005</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">99</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">99</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(24</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(44</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(33</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(32</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(65</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">223</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(223</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">269</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(269</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(71</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">71</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(96</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">96</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(312</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">312</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(284</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">284</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,075</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,075</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,106</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,106</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">164</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">164</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(74</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(105</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(178</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">6</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">894</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">309</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">941</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Total retail loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,147</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,656</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,444</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,247</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">997</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,424</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,266</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,687</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(840</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,298</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,881</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,339</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(854</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,491</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,050</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,687</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">354</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">354</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">423</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">423</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(98</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(133</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(231</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(105</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(270</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(57</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(42</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">869</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(836</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(33</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">922</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(870</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(52</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(216</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">452</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(236</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(289</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">534</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(722</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">725</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(720</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">726</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2,680</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2,680</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2,780</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2,780</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">397</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">397</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">413</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">413</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(163</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(247</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(92</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(502</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(31</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(26</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">6</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(51</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,050</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,406</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,924</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,058</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,611</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,398</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 5,067</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-retail</div> loans:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Business and government</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">854</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">640</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">897</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,391</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">739</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">508</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">788</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,035</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(205</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">248</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">900</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">943</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(52</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">259</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">603</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">810</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,091</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,091</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">983</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">983</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(937</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(209</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,166</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(856</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(93</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(28</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(977</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: Arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">82</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">131</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">91</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(91</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">92</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(92</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(46</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">62</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(33</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">33</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(23</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;">Gross write-offs</td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(598</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(598</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(513</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(513</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(47</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(31</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(144</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(222</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(84</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(82</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period including <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">883</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">619</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,105</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,607</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">845</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">622</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,303</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Less: Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">3</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(150</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(39</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(13</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(202</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(146</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(27</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(173</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">3</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">733</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">699</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">595</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,130</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes impact of divested operations. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(3)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: left;"> </div> <div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 10.5pt; border-spacing: 0px; width: 100%;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(d)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Carrying value of exposures by risk rating </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 32%;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; font-size: 10pt;"><div style="display:inline;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Residential<br/>mortgages</div></div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;">As at October 31, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><br/>($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;">Stage 1</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;">Stage 2</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;">Total</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">220,338</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,979</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">223,317</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">219,905</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,983</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">223,888</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">85,951</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">89,361</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">83,755</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,820</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">88,575</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,788</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,129</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,917</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,870</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,618</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24,488</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,400</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,844</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,244</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,002</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,007</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,009</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,941</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,948</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,170</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,218</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,283</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">515</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,798</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16,937</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,173</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18,110</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,058</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,058</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,903</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,903</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">337,767</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,818</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,058</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">366,643</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">339,517</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,771</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,903</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">370,191</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">209</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">436</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">196</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">424</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">840</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,460</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">337,558</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,382</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,208</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">365,148</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 339,321</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 27,347</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,063</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 368,731</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 31%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Personal loans</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">31,474</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">31,624</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31,009</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">202</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31,211</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,269</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">734</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,003</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,075</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">751</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,826</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,037</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,075</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,886</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">78</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,964</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,797</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,366</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,163</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,331</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,659</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,990</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">45</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,163</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,208</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">35</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,651</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,686</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,007</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,991</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,998</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22,465</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,354</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24,819</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,071</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,071</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">96,629</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,442</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108,016</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">97,801</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,695</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,071</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 110,567</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">578</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">613</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,215</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">604</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,432</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">96,051</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,304</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">105,744</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 97,188</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 10,480</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">467</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">108,135</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 33%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Credit cards</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Stage 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,687</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,688</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,646</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,648</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,819</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,822</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,171</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,182</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,289</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,306</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,792</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,818</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,325</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,802</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,127</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,210</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,942</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,152</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,178</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,204</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,224</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">819</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">425</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,244</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">582</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">439</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,021</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,951</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,414</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,365</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,421</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,624</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18,045</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">894</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">338</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,017</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,355</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,688</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,520</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,208</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 14,083</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,607</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 16,690</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 29%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Undrawn loan<br/> commitments –<br/> Retail</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">134,786</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">193</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">134,979</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">126,681</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">255</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">126,936</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,045</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">42</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,087</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22,102</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">71</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22,173</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,066</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,073</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,569</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,582</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,177</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">368</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,545</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,047</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">631</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,678</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">259</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">351</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">365</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,451</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,235</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,686</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,039</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,049</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,088</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175,528</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,104</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">178,632</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 171,452</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 3,370</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 174,822</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="font-size: 10pt; margin-top: 1.67em; margin-bottom: 1.67em;font-weight: bold;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: right;"> </div> <div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:27%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Total retail loans</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389,285</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,323</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">392,608</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">380,241</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,442</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">384,683</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">132,084</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,189</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">136,273</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">130,103</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,653</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">135,756</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,180</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,191</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,371</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">43,117</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,735</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">51,852</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,699</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,380</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29,079</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,590</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,239</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">34,829</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">67</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,529</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,596</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">117</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,376</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,493</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">45,560</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,166</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,726</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">49,023</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,015</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">55,038</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,003</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,003</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,974</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,974</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">622,875</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">42,778</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,003</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">669,656</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">623,191</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,460</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,974</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">673,625</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,050</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,406</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,924</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,147</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,656</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,444</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5,247</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">621,825</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,310</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,597</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">664,732</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 622,044</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 43,804</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,530</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 668,378</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width: 27%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Business and<br/> government loans</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">148,716</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">892</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">149,608</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">138,789</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,482</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">140,271</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">120,397</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,026</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">126,423</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">121,999</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,169</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">129,168</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Watch list</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,283</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,289</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,475</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,717</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,742</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,485</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,521</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,798</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,798</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,270</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,270</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">271,836</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,226</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,798</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">286,860</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">263,280</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13,155</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,270</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">279,705</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">733</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">713</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">606</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">897</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,216</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">271,103</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,646</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,706</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">284,455</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 262,567</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 12,549</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,373</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 277,489</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width: 33%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Undrawn loan<br/>commitments–<br/>Business and<br/>government</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">265,216</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">266,217</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">242,637</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,101</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">243,738</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">61,233</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,620</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">62,853</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">60,136</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,841</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">61,977</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Watch list</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">788</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">788</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,007</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,007</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,581</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,582</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,593</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,594</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">331,030</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">334,513</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">307,366</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,950</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">311,347</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">202</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">141</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">34</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">175</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">330,880</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,371</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">334,311</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 307,225</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 3,916</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 31</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 311,172</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: "Arial Narrow"; font-size: 7.5pt; border-spacing: 0px; width: 100%;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width: 27%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Total <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-retail</div><br/> loans</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade</div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> ($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">413,932</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,893</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">415,825</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">381,426</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,583</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">384,009</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">181,630</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,646</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">189,276</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">182,135</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,010</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">191,145</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Watch list</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,071</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,077</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,475</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,482</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,298</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,324</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,078</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">37</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,115</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,871</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,871</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,301</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,301</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">602,866</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,636</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,871</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">621,373</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">570,646</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,105</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,301</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">591,052</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">883</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">619</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,105</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,607</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">854</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">640</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">897</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,391</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">601,983</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,017</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,766</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">618,766</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 569,792</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 16,465</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,404</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 588,661</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: left;"> </div> <div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(e)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Loans past due but not impaired<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.7px">(1)</div> </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">A loan is considered past due when a counterparty has not made a payment by the contractual due date. The following table presents the carrying value of loans that are contractually past due but not classified as impaired. In cases where borrowers have opted to participate in payment deferral programs, deferral of payments is not considered past due and such loans are not aged further during the deferral period. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:66%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">91 days<br/> and greater<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,413</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">644</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,057</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">268</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">826</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">157</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">360</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">732</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">280</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">69</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">349</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,466</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">360</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,964</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td colspan="16" style="height:12pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at April 30, 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">91 days<br/> and greater<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,352</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">642</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,994</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">580</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">283</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">863</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">232</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">162</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">361</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">755</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">163</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">126</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">289</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,327</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,213</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 361</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 3,901</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td colspan="16" style="height:12pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">91 days<br/> and greater<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,603</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">767</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,370</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">691</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">353</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,044</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">289</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">430</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">908</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">238</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">104</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">342</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,821</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,413</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">430</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4,664</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Loans up to 30 days past due are not presented in this analysis as they are not administratively considered past due. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(f)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Purchased credit-impaired loans </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Certain financial assets including loans are credit-impaired on initial recognition. The following table provides details of such assets: </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> <br/></div> <div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 69%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 4%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unpaid principal balance<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">206</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">204</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">224</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Credit-related fair value adjustments</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(19</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(24</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">187</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">200</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Stage 3 allowance</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value net of related allowance</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 187</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 185</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 199</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Represents principal amount owed net of write-offs. </div> </td> </tr> </table>
<div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(a) Loans at amortized cost </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:71%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Allowance<br/> for credit<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Net<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">366,643</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">365,148</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108,016</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">105,744</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,365</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,208</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">286,860</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">284,455</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 777,884</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 7,329</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 770,555</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:41%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">April 30, 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">368,495</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,450</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">367,045</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">370,191</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,460</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">368,731</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">108,355</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,254</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">106,101</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">110,567</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,432</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">108,135</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16,040</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,166</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,874</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18,045</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,355</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16,690</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">271,694</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,280</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">269,414</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">279,705</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,216</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">277,489</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 764,584</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,150</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 757,434</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 778,508</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,463</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 771,045</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table>
366643000000
1495000000
365148000000
108016000000
2272000000
105744000000
16365000000
1157000000
15208000000
286860000000
2405000000
284455000000
777884000000
7329000000
770555000000
368495000000
1450000000
367045000000
370191000000
1460000000
368731000000
108355000000
2254000000
106101000000
110567000000
2432000000
108135000000
16040000000
1166000000
14874000000
18045000000
1355000000
16690000000
271694000000
2280000000
269414000000
279705000000
2216000000
277489000000
764584000000
7150000000
757434000000
778508000000
7463000000
771045000000
<div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(b) Impaired loans<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div> </div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:72%"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> impaired<br/> loans</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Allowance<br/> for credit<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Net<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,058</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,208</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,798</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,706</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,801</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,498</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,303</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">By geography:</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canada</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,876</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">784</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,092</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">United States</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">119</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">110</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Mexico</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,526</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">551</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">975</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Peru</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">759</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">370</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Chile</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,467</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">366</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,101</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 72%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other international</div> </td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,054</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">399</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">655</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 72%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,801</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,498</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,303</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:48%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">April 30, 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> impaired<br/> loans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gross<br/> impaired<br/> loans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,904</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">841</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,063</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,903</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">840</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,063</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">975</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">566</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">409</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,071</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">604</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">467</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,729</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,001</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,728</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,270</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">897</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,373</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">7,608</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2,408</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5,200</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">7,244</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2,341</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">4,903</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">By geography:</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canada</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,798</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">796</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,002</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,416</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">683</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,733</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">United States</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">124</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">111</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Mexico</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,515</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">570</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">945</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,494</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">535</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">959</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Peru</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">739</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">367</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">372</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">823</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">400</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">423</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Chile</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,452</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">344</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,108</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,420</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">332</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,088</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other international</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">980</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">318</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">662</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,091</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">391</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">700</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">7,608</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2,408</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">5,200</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">7,244</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2,341</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">4,903</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> </div> <div style="font-size: 2pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income recognized on impaired loans during the three months ended July 31, 2026 was $78 (April 30, 2026 – $29; October 31, 2025 – $23). </div> </td> </tr> </table>
3058000000
850000000
2208000000
945000000
556000000
389000000
0
0
0
3798000000
1092000000
2706000000
7801000000
2498000000
5303000000
2876000000
784000000
2092000000
119000000
9000000
110000000
1526000000
551000000
975000000
759000000
389000000
370000000
1467000000
366000000
1101000000
1054000000
399000000
655000000
7801000000
2498000000
5303000000
2904000000
841000000
2063000000
2903000000
840000000
2063000000
975000000
566000000
409000000
1071000000
604000000
467000000
0
0
0
0
0
0
3729000000
1001000000
2728000000
3270000000
897000000
2373000000
7608000000
2408000000
5200000000
7244000000
2341000000
4903000000
2798000000
796000000
2002000000
2416000000
683000000
1733000000
124000000
13000000
111000000
1515000000
570000000
945000000
1494000000
535000000
959000000
739000000
367000000
372000000
823000000
400000000
423000000
1452000000
344000000
1108000000
1420000000
332000000
1088000000
980000000
318000000
662000000
1091000000
391000000
700000000
7608000000
2408000000
5200000000
7244000000
2341000000
4903000000
78000000
29000000
23000000
0.075
<div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following tables show certain key macroeconomic variables used to calculate the modelled estimate for the allowance for credit losses. Further changes in these variables up to the date of the financial statements are incorporated through expert credit judgement. For the base case, optimistic and pessimistic scenarios, the projections are provided for the next 12 months and for the remaining forecast period, which represents a medium-term view. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:39%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Base Case Scenario</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Optimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Pessimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Very Pessimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Canada</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Bank of Canada overnight rate target, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">HPI - Housing Price Index, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-6.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-9.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">USD/CAD exchange rate, average</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.33</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.29</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.32</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.27</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.40</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.27</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.48</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.29</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">U.S.</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Target federal funds rate, upper limit, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Mexico</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Chile</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.7</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-3.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.3</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Peru</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.2</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.4</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Caribbean</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.8</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.5</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-0.1</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.0</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Global</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">WTI oil price, average USD/bbl</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">79</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">69</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">85</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">81</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">68</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">62</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">127</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Copper price, average USD/lb</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.89</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.37</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.07</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.91</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.43</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.24</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.93</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.22</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Global GDP, y/y % change</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.7</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.9</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:39%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Base Case Scenario</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Optimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Pessimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Alternative Scenario<br/> Very Pessimistic</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Next 12<br/> Months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Remaining<br/> Forecast<br/> Period</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Canada</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Bank of Canada overnight rate target, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">HPI - Housing Price Index, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-5.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-8.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">USD/CAD exchange rate, average</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.34</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.30</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.33</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.28</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.40</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.28</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.48</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.30</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">U.S.</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-3.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Target federal funds rate, upper limit, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Mexico</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Chile</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Peru</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Caribbean</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Global</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">WTI oil price, average USD/bbl</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">85</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">69</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">89</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">83</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">74</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">63</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">130</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">74</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Copper price, average USD/lb</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.39</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.86</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.51</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.38</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.99</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.74</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.41</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.72</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Global GDP, y/y % change</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
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<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
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<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">0.3</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
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<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3.4</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
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<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">-2.3</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3.9</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: left;"> </div><div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div>
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<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Base Case Scenario</td>
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<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Alternative Scenario<br/> Optimistic</td>
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<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Alternative Scenario<br/> Pessimistic</td>
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<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Alternative Scenario<br/> Very Pessimistic</td>
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<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025</div></div></td>
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<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Next 12<br/> Months</td>
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<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Remaining<br/> Forecast<br/> Period</td>
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<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Next 12<br/> Months</td>
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<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Remaining<br/> Forecast<br/> Period</td>
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<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Next 12<br/> Months</td>
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<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Remaining<br/> Forecast<br/> Period</td>
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<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Canada</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Bank of Canada overnight rate target, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">HPI - Housing Price Index, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-2.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-5.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">USD/CAD exchange rate, average</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.32</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.30</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.31</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.29</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.37</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.29</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.45</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.30</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">U.S.</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Consumer price index, y/y %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Target federal funds rate, upper limit, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Mexico</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-5.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Chile</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Peru</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Colombia</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">0.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-1.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unemployment rate, average %</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9.1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12.5</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Caribbean</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Real GDP growth, y/y % change</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.0</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">-0.6</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Global</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">WTI oil price, average USD/bbl</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">60</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">66</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">64</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">78</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">53</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">61</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">45</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Copper price, average USD/lb</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.19</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.68</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.29</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5.03</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.92</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.60</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3.61</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.47</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Global GDP, y/y % change</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2.2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2.7</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3.0</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3.5</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">0.3</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3.2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">-2.2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3.7</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table>
0.017
0.02
0.027
0.028
-0.011
0.026
-0.046
0.032
0.026
0.018
0.028
0.021
0.02
0.016
0.061
0.021
0.064
0.061
0.06
0.052
0.077
0.068
0.106
0.074
0.028
0.029
0.031
0.036
0.021
0.023
0.036
0.035
-0.023
0.051
-0.016
0.062
-0.065
0.057
-0.098
0.052
1.33
1.29
1.32
1.27
1.4
1.27
1.48
1.29
0.017
0.023
0.022
0.032
-0.011
0.031
-0.04
0.036
0.032
0.023
0.035
0.026
0.034
0.022
0.071
0.025
0.034
0.032
0.038
0.037
0.034
0.028
0.043
0.039
0.042
0.041
0.041
0.037
0.057
0.046
0.08
0.049
0.012
0.018
0.016
0.025
-0.014
0.023
-0.047
0.03
0.032
0.036
0.031
0.031
0.039
0.037
0.061
0.045
0.032
0.021
0.046
0.029
0.007
0.027
-0.035
0.036
0.078
0.073
0.075
0.068
0.091
0.075
0.114
0.08
0.031
0.028
0.046
0.038
0.004
0.034
-0.012
0.039
0.056
0.06
0.051
0.05
0.068
0.064
0.106
0.076
0.036
0.04
0.04
0.048
0.016
0.045
-0.001
0.05
79
69
85
81
68
62
127
73
5.89
6.37
6.07
6.91
5.43
6.24
5.93
6.22
0.03
0.028
0.037
0.037
0.007
0.034
-0.019
0.039
0.016
0.02
0.026
0.029
-0.01
0.026
-0.044
0.033
0.031
0.019
0.033
0.024
0.026
0.017
0.065
0.021
0.064
0.059
0.059
0.045
0.076
0.065
0.104
0.071
0.028
0.029
0.031
0.037
0.021
0.024
0.035
0.035
-0.016
0.047
-0.009
0.062
-0.056
0.053
-0.089
0.048
1.34
1.3
1.33
1.28
1.4
1.28
1.48
1.3
0.016
0.024
0.022
0.033
-0.011
0.031
-0.039
0.036
0.03
0.024
0.032
0.028
0.032
0.023
0.068
0.026
0.036
0.034
0.038
0.04
0.035
0.03
0.044
0.041
0.043
0.04
0.041
0.036
0.057
0.045
0.081
0.048
0.009
0.019
0.013
0.026
-0.016
0.024
-0.048
0.031
0.035
0.038
0.033
0.033
0.042
0.039
0.065
0.048
0.025
0.021
0.033
0.03
0.001
0.027
-0.04
0.037
0.081
0.073
0.079
0.068
0.093
0.075
0.116
0.08
0.033
0.027
0.044
0.035
0.007
0.032
-0.008
0.038
0.058
0.06
0.054
0.051
0.069
0.064
0.109
0.075
0.037
0.04
0.041
0.047
0.018
0.044
-0.006
0.049
85
69
89
83
74
63
130
74
5.39
5.86
5.51
6.38
4.99
5.74
5.41
5.72
0.024
0.028
0.032
0.037
0.003
0.034
-0.023
0.039
0.012
0.022
0.024
0.031
-0.011
0.027
-0.044
0.034
0.019
0.022
0.021
0.027
0.014
0.02
0.05
0.024
0.07
0.058
0.066
0.047
0.082
0.064
0.112
0.07
0.023
0.028
0.028
0.037
0.021
0.024
0.031
0.033
0.019
0.062
0.026
0.077
-0.02
0.067
-0.051
0.062
1.32
1.3
1.31
1.29
1.37
1.29
1.45
1.3
0.014
0.023
0.019
0.032
-0.01
0.03
-0.037
0.035
0.026
0.025
0.027
0.028
0.027
0.024
0.06
0.027
0.033
0.03
0.035
0.035
0.032
0.027
0.039
0.036
0.045
0.043
0.044
0.04
0.058
0.048
0.081
0.052
-0.002
0.022
0.006
0.029
-0.024
0.026
-0.055
0.033
0.033
0.037
0.032
0.031
0.039
0.038
0.061
0.046
0.024
0.02
0.035
0.028
0.003
0.026
-0.037
0.035
0.079
0.067
0.077
0.064
0.09
0.069
0.112
0.073
0.029
0.031
0.041
0.04
0.006
0.036
-0.01
0.041
0.057
0.061
0.053
0.052
0.067
0.065
0.105
0.076
0.029
0.025
0.04
0.034
0.007
0.03
-0.01
0.035
0.103
0.099
0.10
0.091
0.12
0.105
0.189
0.125
0.037
0.04
0.044
0.047
0.016
0.044
-0.006
0.049
60
66
64
78
53
61
45
56
4.19
4.68
4.29
5.03
3.92
4.6
3.61
4.47
0.022
0.027
0.03
0.035
0.003
0.032
-0.022
0.037
5040000000
4936000000
5313000000
4726000000
4644000000
5018000000
649000000
591000000
786000000
800000000
807000000
801000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(iv)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Allowance for credit losses </div></td></tr></table><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:55%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align: bottom; width: 4%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td colspan="20" style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div></td>
<td style="vertical-align:top"><div style="margin-top: 0px; margin-bottom: 0px; margin-left: 0em; text-indent: 0em; font-size: 8pt; font-family: Arial; line-height: normal;"> </div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);">Balance as at<br/> November 1,<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: Arial; text-align: right; line-height: normal;">Provision</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: Arial; text-align: right; line-height: normal;">for<br/> credit losses<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);">Net write-<br/> offs</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);">Other, including<br/> foreign currency<br/> adjustment</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Balance as at<br/> July 31,<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,460</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(99</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 4%;">)</td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(55</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">)</td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,432</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,380</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,271</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 4%;">)</td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(269</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">)</td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,355</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">893</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(913</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 4%;">)</td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">)</td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,392</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,004</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(561</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(227</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,608</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 7,639</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,466</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (2,844)</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"><br/></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (729)</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><br/></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 7,532</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Presented as:</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on loans</div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,463</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,329</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on acceptances<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 55%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 175</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">202</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes amounts associated with other assets of $6. The provision for credit losses, net of these amounts, is $3,472. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></td></tr></table><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div style="font-size: 10pt; margin-top: 1.67em; margin-bottom: 1.67em;font-weight: bold;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: right;"> </div><div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:55%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Balance as at<br/> November 1,<br/> 2024</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Provision<br/> for<br/> credit losses<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Net write-<br/> offs</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Other, including<br/> foreign currency<br/> adjustment</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Balance as at<br/> July 31,<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,208</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">270</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(72</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,430</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,319</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,499</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,353</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(78</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,387</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,160</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,029</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(942</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,036</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">817</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(466</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(83</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,304</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 6,723</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 3,615</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> (2,833</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> (134</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">7,371</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Presented as:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,536</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 7,197</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on acceptances<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 186</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">173</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes amounts associated with other assets and reversal of impairment losses of $(14). The provision for credit losses, net of these amounts, is $3,601. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></td></tr></table><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:67%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Allowance for credit losses on loans</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">209</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">436</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><br/></td>
<td style="vertical-align: bottom; width: 3%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 67%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">578</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><br/></td>
<td style="vertical-align: bottom; width: 3%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">894</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><br/></td>
<td style="vertical-align: bottom; width: 3%;"><br/></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 67%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">733</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 67%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,783</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,048</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,498</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><br/></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><br/></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,329</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes allowance for credit losses of $222 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:67%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 2</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Total</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">196</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">424</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">840</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,460</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">613</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,215</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">604</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,432</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">338</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,017</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,355</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">713</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">606</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">897</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,216</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 1,860</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 3,262</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 2,341</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,463</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:67%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">As at July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 2</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Stage 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Total</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">447</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">798</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,430</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">564</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,223</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">600</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,387</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">309</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">941</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">699</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">595</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">836</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,130</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 1,757</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 3,206</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 2,234</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,197</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes allowance for credit losses of $189 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: left;"> </div><div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div><div style="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Arial">The following table presents the changes to the allowance for credit losses on loans. </div><div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:7.5pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 52%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="30" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at and for the three months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Retail loans:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">452</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">748</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,378</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(51</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(73</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">118</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">66</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">67</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(61</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">80</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(64</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(43</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">69</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(26</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(45</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(45</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(39</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(39</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">209</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">436</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">447</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">798</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,430</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">534</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,228</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">617</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,379</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(166</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">225</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">332</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">391</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(136</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">201</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">318</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">383</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">87</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">87</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">94</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">94</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(27</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(52</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(23</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(34</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(57</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">152</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(148</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(142</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(36</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">65</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(54</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">87</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(33</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(111</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">112</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(115</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">117</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(504</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(504</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(508</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(508</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">85</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">85</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">8</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">578</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">564</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,223</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">600</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,387</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">292</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">943</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,235</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">187</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">260</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(67</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">168</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">188</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">289</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">41</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">41</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(5</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">69</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(69</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">86</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(86</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(24</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(39</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">39</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(101</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">101</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(102</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">102</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(342</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(342</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(368</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(368</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">894</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">309</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">941</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Total retail loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">998</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,465</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,407</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,870</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,004</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,623</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,365</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,992</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(267</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">405</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">569</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">707</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(276</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">390</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">624</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">738</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">118</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">118</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(34</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(41</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(75</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(35</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(56</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(91</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">288</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(278</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">312</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(292</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(20</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(69</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">141</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(72</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(103</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">195</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(92</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(237</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">238</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(243</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(891</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(891</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(915</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(915</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">135</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">135</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">34</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,050</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,468</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,406</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,924</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,058</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,611</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,398</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 5,067</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-retail</div> loans:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Business and government</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">829</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">625</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,455</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">820</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">611</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,267</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(126</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">297</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">193</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(50</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">69</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">213</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">232</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">308</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">308</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(347</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(58</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(417</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(40</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(294</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: Arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">82</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">131</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(37</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(16</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 52%;">Gross write-offs</td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(192</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(192</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(210</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(210</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(20</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period including <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">883</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">619</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,105</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,607</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">845</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">622</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,303</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Less: Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(150</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(39</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(13</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(202</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(146</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(27</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(173</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 52%;"><div style="text-indent: -1em; font-family: Arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Balance at end of period<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">2</div>)</div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">733</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">699</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">595</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,130</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div><div style="font-size: 10pt; margin-top: 1.67em; margin-bottom: 1.67em;font-weight: bold;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: right;"> </div><div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:7.5pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 53%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="30" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at and for the nine months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Retail loans:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">196</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">424</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">840</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,460</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">398</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">645</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,208</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(178</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">145</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">224</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">191</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(172</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">123</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">319</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">270</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">32</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">32</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(28</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(34</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(23</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">201</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(178</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(23</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">196</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(156</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(40</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">180</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(151</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(33</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(156</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(75</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">75</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(75</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">75</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(117</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(117</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(91</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(91</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">18</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">18</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(7</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(32</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(16</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(55</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">18</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">209</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">436</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">447</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">798</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,430</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Personal loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">613</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,215</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">604</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,432</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">544</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,154</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">621</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,319</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(473</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">687</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,057</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,271</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(464</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">797</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,079</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,412</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">288</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">288</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(68</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(85</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(153</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(66</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(110</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(176</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(33</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(25</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">445</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(435</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">457</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(445</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(116</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">201</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(85</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(160</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">249</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(89</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(335</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">338</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(361</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">367</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,488</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,488</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,583</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,583</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">217</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">217</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">230</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">230</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(82</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(110</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(77</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(269</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(32</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(28</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(18</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(78</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">578</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">564</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,223</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">600</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,387</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Credit cards</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">338</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,017</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,355</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">288</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">872</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,160</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(189</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">466</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">600</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">877</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(218</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">571</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">652</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,005</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">99</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">99</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(24</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(44</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(33</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(32</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(65</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">223</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(223</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">269</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(269</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(71</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">71</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(96</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">96</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(312</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">312</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(284</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">284</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,075</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,075</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,106</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,106</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">164</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">164</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(74</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(105</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(178</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">6</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">894</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">309</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">941</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Total retail loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,147</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,656</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,444</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,247</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">997</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,424</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,266</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,687</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(840</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,298</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,881</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,339</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(854</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,491</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,050</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,687</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">354</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">354</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">423</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">423</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(98</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(133</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(231</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(105</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(270</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(57</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(42</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">869</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(836</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(33</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">922</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(870</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(52</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(216</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">452</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(236</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(289</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">534</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(722</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">725</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(720</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">726</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Gross write-offs</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2,680</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2,680</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2,780</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2,780</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">397</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">397</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">413</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">413</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(163</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(247</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(92</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(502</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(31</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(26</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">6</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(51</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,050</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,406</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,924</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,058</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,611</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,398</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 5,067</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-retail</div> loans:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; font-weight: bold; line-height: normal;">Business and government</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at beginning of period</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">854</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">640</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">897</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,391</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">739</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">508</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">788</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,035</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Provision for credit losses</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Remeasurement<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(205</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">248</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">900</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">943</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(52</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">259</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">603</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">810</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Newly originated or purchased financial assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,091</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,091</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">983</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">983</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Derecognition of financial assets and maturities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(937</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(209</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,166</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(856</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(93</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(28</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(977</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: Arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;">Changes in models and methodologies</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">82</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">131</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Transfer to (from):</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 1</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">91</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(91</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">92</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(92</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 2</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(46</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">62</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Stage 3</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(33</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">33</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(23</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="vertical-align: top; width: 53%;">Gross write-offs</td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(598</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(598</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(513</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(513</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Recoveries</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Foreign exchange and other movements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">2</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(47</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(31</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(144</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(222</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(84</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(82</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period including <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">883</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">619</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,105</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,607</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">845</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">622</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,303</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Less: Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">3</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(150</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(39</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(13</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(202</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(146</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(27</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(173</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:7.5pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 53%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 7.5pt; font-family: Arial; line-height: normal;">Balance at end of period<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.2px">(<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">3</div></div>)</div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">733</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">699</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">595</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">836</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,130</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes impact of divested operations. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(3)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
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836000000
2130000000
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 10.5pt; border-spacing: 0px; width: 100%;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(d)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Carrying value of exposures by risk rating </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 32%;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
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<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td><div style="display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; font-size: 10pt;"><div style="display:inline;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Residential<br/>mortgages</div></div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;">As at October 31, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><br/>($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;">Stage 1</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;">Stage 2</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;">Total</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">220,338</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,979</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">223,317</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">219,905</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,983</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">223,888</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">85,951</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">89,361</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">83,755</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,820</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">88,575</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,788</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,129</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,917</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,870</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,618</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24,488</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,400</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,844</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,244</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,002</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,007</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,009</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,941</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,948</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,170</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,218</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,283</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">515</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,798</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16,937</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,173</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18,110</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,058</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,058</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,903</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,903</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">337,767</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,818</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,058</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">366,643</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">339,517</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,771</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,903</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">370,191</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">209</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">436</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">850</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">196</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">424</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">840</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,460</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 32%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">337,558</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,382</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,208</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">365,148</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 339,321</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 27,347</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,063</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 368,731</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 31%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Personal loans</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">31,474</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">31,624</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31,009</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">202</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31,211</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,269</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">734</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,003</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,075</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">751</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,826</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,037</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,075</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,886</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">78</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,964</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,797</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,366</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,163</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,331</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,659</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,990</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">45</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,163</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,208</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">35</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,651</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,686</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,007</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,991</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,998</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22,465</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,354</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24,819</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,071</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,071</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">96,629</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,442</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108,016</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">97,801</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,695</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,071</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 110,567</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">578</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,272</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">613</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,215</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">604</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,432</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 31%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">96,051</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,304</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">105,744</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 97,188</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 10,480</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">467</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">108,135</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 33%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Credit cards</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Stage 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,687</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,688</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,646</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,648</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,819</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,822</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,171</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,182</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,289</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,306</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,792</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,818</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,325</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,802</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,127</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,210</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,942</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,152</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,178</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,204</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,224</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">819</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">425</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,244</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">582</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">439</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,021</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,951</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,414</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,365</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,421</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,624</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18,045</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">894</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,157</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">338</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,017</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,355</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,688</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,520</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,208</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 14,083</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,607</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 16,690</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 29%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Undrawn loan<br/> commitments –<br/> Retail</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">134,786</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">193</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">134,979</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">126,681</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">255</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">126,936</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,045</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">42</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,087</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22,102</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">71</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22,173</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,066</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,073</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,569</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,582</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,177</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">368</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,545</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,047</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">631</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,678</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">259</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">351</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">365</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,451</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,235</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,686</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,039</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,049</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,088</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 29%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175,528</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,104</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">178,632</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 171,452</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 3,370</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 174,822</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="font-size: 10pt; margin-top: 1.67em; margin-bottom: 1.67em;font-weight: bold;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 9pt; font-family: Arial; text-align: right;"> </div> <div style="margin-top: 0px; margin-bottom: 0px; font-size: 8pt;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width:27%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Total retail loans</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very low</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389,285</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,323</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">392,608</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">380,241</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,442</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">384,683</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Low</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">132,084</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,189</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">136,273</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">130,103</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,653</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">135,756</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Medium</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,180</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,191</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,371</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">43,117</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,735</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">51,852</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">High</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,699</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,380</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29,079</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,590</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,239</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">34,829</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Very high</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">67</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,529</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,596</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">117</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,376</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,493</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">45,560</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,166</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,726</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">49,023</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,015</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">55,038</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,003</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,003</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,974</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,974</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">622,875</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">42,778</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,003</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">669,656</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">623,191</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,460</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,974</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">673,625</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,050</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,406</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,924</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,147</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,656</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,444</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5,247</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">621,825</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,310</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,597</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">664,732</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 622,044</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 43,804</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,530</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 668,378</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width: 27%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Business and<br/> government loans</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">148,716</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">892</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">149,608</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">138,789</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,482</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">140,271</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">120,397</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,026</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">126,423</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">121,999</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,169</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">129,168</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Watch list</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,283</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,289</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,475</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,717</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,742</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,485</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,521</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,798</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,798</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,270</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,270</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">271,836</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,226</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,798</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">286,860</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">263,280</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13,155</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,270</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">279,705</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">733</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,092</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,405</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">713</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">606</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">897</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,216</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">271,103</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,646</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,706</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">284,455</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 262,567</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 12,549</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,373</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 277,489</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width: 33%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Undrawn loan<br/>commitments–<br/>Business and<br/>government</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">265,216</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">266,217</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">242,637</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,101</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">243,738</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">61,233</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,620</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">62,853</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">60,136</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,841</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">61,977</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Watch list</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">788</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">788</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,007</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,007</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,581</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,582</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,593</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,594</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">331,030</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">334,513</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">307,366</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,950</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">311,347</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">202</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">141</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">34</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">175</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 33%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">330,880</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,371</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">334,311</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 307,225</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 3,916</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 31</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 311,172</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: "Arial Narrow"; font-size: 7.5pt; border-spacing: 0px; width: 100%;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 96%; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width: 27%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Total <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-retail</div><br/> loans</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade</div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> ($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Stage 3<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">413,932</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,893</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">415,825</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">381,426</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,583</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">384,009</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">181,630</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,646</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">189,276</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">182,135</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,010</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">191,145</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Watch list</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,071</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,077</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,475</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,482</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans not graded<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,298</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,324</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,078</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">37</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,115</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Default</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,871</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,871</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,301</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,301</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">602,866</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,636</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,871</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">621,373</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">570,646</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,105</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,301</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">591,052</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Allowance for credit losses</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">883</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">619</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,105</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,607</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">854</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">640</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">897</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,391</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">601,983</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,017</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,766</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">618,766</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 569,792</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 16,465</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,404</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 588,661</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Stage 3 includes purchased or originated credit-impaired loans. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div> </td> </tr> </table>
220338000000
2979000000
223317000000
219905000000
3983000000
223888000000
85951000000
3410000000
89361000000
83755000000
4820000000
88575000000
15788000000
10129000000
25917000000
15870000000
8618000000
24488000000
2400000000
5844000000
8244000000
3002000000
6007000000
9009000000
7000000
2941000000
2948000000
48000000
3170000000
3218000000
13283000000
515000000
13798000000
16937000000
1173000000
18110000000
3058000000
3058000000
2903000000
2903000000
337767000000
25818000000
3058000000
366643000000
339517000000
27771000000
2903000000
370191000000
209000000
436000000
850000000
1495000000
196000000
424000000
840000000
1460000000
337558000000
25382000000
2208000000
365148000000
339321000000
27347000000
2063000000
368731000000
31474000000
150000000
31624000000
31009000000
202000000
31211000000
21269000000
734000000
22003000000
21075000000
751000000
21826000000
13037000000
38000000
13075000000
12886000000
78000000
12964000000
8797000000
5366000000
14163000000
10331000000
5659000000
15990000000
45000000
2163000000
2208000000
35000000
2651000000
2686000000
22007000000
1991000000
23998000000
22465000000
2354000000
24819000000
945000000
945000000
1071000000
1071000000
96629000000
10442000000
945000000
108016000000
97801000000
11695000000
1071000000
110567000000
578000000
1138000000
556000000
2272000000
613000000
1215000000
604000000
2432000000
96051000000
9304000000
389000000
105744000000
97188000000
10480000000
467000000
108135000000
2687000000
1000000
2688000000
2646000000
2000000
2648000000
2819000000
3000000
2822000000
3171000000
11000000
3182000000
4289000000
17000000
4306000000
4792000000
26000000
4818000000
2325000000
1802000000
4127000000
3210000000
1942000000
5152000000
12000000
1166000000
1178000000
20000000
1204000000
1224000000
819000000
425000000
1244000000
582000000
439000000
1021000000
0
12951000000
3414000000
16365000000
14421000000
3624000000
18045000000
263000000
894000000
1157000000
338000000
1017000000
1355000000
12688000000
2520000000
15208000000
14083000000
2607000000
16690000000
134786000000
193000000
134979000000
126681000000
255000000
126936000000
22045000000
42000000
22087000000
22102000000
71000000
22173000000
7066000000
7000000
7073000000
9569000000
13000000
9582000000
2177000000
368000000
2545000000
4047000000
631000000
4678000000
3000000
259000000
262000000
14000000
351000000
365000000
9451000000
2235000000
11686000000
9039000000
2049000000
11088000000
175528000000
3104000000
178632000000
171452000000
3370000000
174822000000
389285000000
3323000000
392608000000
380241000000
4442000000
384683000000
132084000000
4189000000
136273000000
130103000000
5653000000
135756000000
40180000000
10191000000
50371000000
43117000000
8735000000
51852000000
15699000000
13380000000
29079000000
20590000000
14239000000
34829000000
67000000
6529000000
6596000000
117000000
7376000000
7493000000
45560000000
5166000000
50726000000
49023000000
6015000000
55038000000
4003000000
4003000000
3974000000
3974000000
622875000000
42778000000
4003000000
669656000000
623191000000
46460000000
3974000000
673625000000
1050000000
2468000000
1406000000
4924000000
1147000000
2656000000
1444000000
5247000000
621825000000
40310000000
2597000000
664732000000
622044000000
43804000000
2530000000
668378000000
148716000000
892000000
149608000000
138789000000
1482000000
140271000000
120397000000
6026000000
126423000000
121999000000
7169000000
129168000000
6000000
4283000000
4289000000
7000000
4468000000
4475000000
2717000000
25000000
2742000000
2485000000
36000000
2521000000
3798000000
3798000000
3270000000
3270000000
271836000000
11226000000
3798000000
286860000000
263280000000
13155000000
3270000000
279705000000
733000000
580000000
1092000000
2405000000
713000000
606000000
897000000
2216000000
271103000000
10646000000
2706000000
284455000000
262567000000
12549000000
2373000000
277489000000
265216000000
1001000000
266217000000
242637000000
1101000000
243738000000
61233000000
1620000000
62853000000
60136000000
1841000000
61977000000
0
788000000
788000000
1007000000
1007000000
4581000000
1000000
4582000000
4593000000
1000000
4594000000
73000000
73000000
31000000
31000000
331030000000
3410000000
73000000
334513000000
307366000000
3950000000
31000000
311347000000
150000000
39000000
13000000
202000000
141000000
34000000
175000000
330880000000
3371000000
60000000
334311000000
307225000000
3916000000
31000000
311172000000
413932000000
1893000000
415825000000
381426000000
2583000000
384009000000
181630000000
7646000000
189276000000
182135000000
9010000000
191145000000
6000000
5071000000
5077000000
7000000
5475000000
5482000000
7298000000
26000000
7324000000
7078000000
37000000
7115000000
3871000000
3871000000
3301000000
3301000000
602866000000
14636000000
3871000000
621373000000
570646000000
17105000000
3301000000
591052000000
883000000
619000000
1105000000
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<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(e)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Loans past due but not impaired<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.7px">(1)</div> </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">A loan is considered past due when a counterparty has not made a payment by the contractual due date. The following table presents the carrying value of loans that are contractually past due but not classified as impaired. In cases where borrowers have opted to participate in payment deferral programs, deferral of payments is not considered past due and such loans are not aged further during the deferral period. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:66%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">91 days<br/> and greater<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,413</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">644</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,057</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">268</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">826</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">157</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">360</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">732</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">280</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">69</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">349</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,466</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,138</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">360</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,964</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td colspan="16" style="height:12pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at April 30, 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">91 days<br/> and greater<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,352</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">642</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,994</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">580</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">283</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">863</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">232</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">162</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">361</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">755</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">163</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">126</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">289</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,327</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,213</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 361</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 3,901</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td colspan="16" style="height:12pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">91 days<br/> and greater<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Residential mortgages</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,603</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">767</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,370</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal loans</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">691</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">353</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,044</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit cards</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">289</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">430</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">908</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">238</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">104</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">342</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,821</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,413</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">430</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4,664</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Loans up to 30 days past due are not presented in this analysis as they are not administratively considered past due. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due. </div> </td> </tr> </table>
1413000000
644000000
2057000000
558000000
268000000
826000000
215000000
157000000
360000000
732000000
280000000
69000000
349000000
2466000000
1138000000
360000000
3964000000
1352000000
642000000
1994000000
580000000
283000000
863000000
232000000
162000000
361000000
755000000
163000000
126000000
289000000
2327000000
1213000000
361000000
3901000000
1603000000
767000000
2370000000
691000000
353000000
1044000000
289000000
189000000
430000000
908000000
238000000
104000000
342000000
2821000000
1413000000
430000000
4664000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:10.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(f)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10.5pt; font-family: Arial; text-align: left; line-height: normal;">Purchased credit-impaired loans </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Certain financial assets including loans are credit-impaired on initial recognition. The following table provides details of such assets: </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> <br/></div> <div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 69%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 4%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Unpaid principal balance<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">206</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">204</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">224</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Credit-related fair value adjustments</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(19</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(24</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">187</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">200</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Stage 3 allowance</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Carrying value net of related allowance</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 187</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 185</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 199</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Represents principal amount owed net of write-offs. </div> </td> </tr> </table>
206000000
204000000
224000000
19000000
19000000
24000000
187000000
185000000
200000000
0
0
1000000
187000000
185000000
199000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_8" style="width:4%;vertical-align:top;text-align:left">8.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Investments in associates </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank had significant investments in the following associates: </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">October 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Country of<br/> incorporation</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Nature of<br/> business</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Ownership<br/> percentage</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Date of financial<br/> statements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Carrying<br/> value</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying<br/> value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying<br/> value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">KeyCorp<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">United States</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">Banking</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14.9</td>
<td style="white-space:nowrap;vertical-align:bottom">% </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">June 30, 2026</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,398</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 4,277</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 4,379</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Davivienda Group S.A.<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">Colombia</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">Banking</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20.3</td>
<td style="white-space:nowrap;vertical-align:bottom">% </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">March 31, 2026</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,724</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,425</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Bank of Xi’an Co. Ltd.<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">China</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">Banking</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18.1</td>
<td style="white-space:nowrap;vertical-align:bottom">% </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">March 31, 2026</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">833</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">786</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">729</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Maduro & Curiel’s Bank N.V.<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(5)</div></div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Curacao</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Banking</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">48.1</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">June 30, 2026</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">608</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">575</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">570</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Represents the date of the most recent financial statements. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Based on the quoted price on the New York Stock Exchange, the market value of the Bank’s Investment in KeyCorp was $4,987 (April 30, 2026 – $4,793; October 31, 2025 – $4,018). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. During the period, dividends received from KeyCorp of $45 were recognized as a reduction in the carrying value of the investment in associate. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for 20.3% ownership interest in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-voting</div> preferred shares. There is no quoted market price for the common shares. Following the closing, the investment was recognized at a fair value of $1,370 million as the Bank has significant influence over Davivienda Group S.A. given its board representation and ownership interest. Refer to Note 19 for further details. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $613 (April 30, 2026 – $591; October 31, 2025 – $617). The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(5)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of July 31, 2026, these reserves amounted to $80 (April 30, 2026 - $77; October 31, 2025 – $76). </div> </td> </tr> </table>
<div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank had significant investments in the following associates: </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">October 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Country of<br/> incorporation</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Nature of<br/> business</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Ownership<br/> percentage</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Date of financial<br/> statements<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Carrying<br/> value</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying<br/> value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying<br/> value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">KeyCorp<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">United States</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">Banking</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14.9</td>
<td style="white-space:nowrap;vertical-align:bottom">% </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">June 30, 2026</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,398</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 4,277</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 4,379</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Davivienda Group S.A.<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">Colombia</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">Banking</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20.3</td>
<td style="white-space:nowrap;vertical-align:bottom">% </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">March 31, 2026</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,724</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,425</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Bank of Xi’an Co. Ltd.<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">China</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">Banking</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18.1</td>
<td style="white-space:nowrap;vertical-align:bottom">% </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">March 31, 2026</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">833</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">786</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">729</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Maduro & Curiel’s Bank N.V.<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(5)</div></div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Curacao</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Banking</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">48.1</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">June 30, 2026</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">608</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">575</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">570</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Represents the date of the most recent financial statements. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Based on the quoted price on the New York Stock Exchange, the market value of the Bank’s Investment in KeyCorp was $4,987 (April 30, 2026 – $4,793; October 31, 2025 – $4,018). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. During the period, dividends received from KeyCorp of $45 were recognized as a reduction in the carrying value of the investment in associate. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for 20.3% ownership interest in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-voting</div> preferred shares. There is no quoted market price for the common shares. Following the closing, the investment was recognized at a fair value of $1,370 million as the Bank has significant influence over Davivienda Group S.A. given its board representation and ownership interest. Refer to Note 19 for further details. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $613 (April 30, 2026 – $591; October 31, 2025 – $617). The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(5)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of July 31, 2026, these reserves amounted to $80 (April 30, 2026 - $77; October 31, 2025 – $76). </div> </td> </tr> </table>
United States
Banking
0.149
2026-06-30
4398000000
4277000000
4379000000
Colombia
Banking
0.203
2026-03-31
1724000000
1425000000
China
Banking
0.181
2026-03-31
833000000
786000000
729000000
Curacao
Banking
0.481
2026-06-30
608000000
575000000
570000000
4987000000
4793000000
4018000000
45000000
0.203
0.1499
1370000000
613000000
591000000
617000000
80000000
77000000
76000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_9" style="width:4%;vertical-align:top;text-align:left">9.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Deposits </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 30%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="26" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="18" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">October 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Payable on demand<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td rowspan="2" style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" rowspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: Arial; font-weight: bold; text-align: right; line-height: normal;">Payable</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: Arial; font-weight: bold; text-align: right; line-height: normal;">after<br/> notice<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td rowspan="2" style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest-<br/> bearing</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest-</div><br/> bearing</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Payable on a<br/> fixed date<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,623</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,573</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">124,262</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123,612</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">298,070</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 295,240</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 301,718</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">202,923</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35,007</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">72,044</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">358,688</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">668,662</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">644,305</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">627,667</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Financial institutions</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,907</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,549</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,623</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26,204</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,283</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">41,944</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">36,894</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 30%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250,453</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,129</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">198,929</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">508,504</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,006,015</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">981,489</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">966,279</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Recorded in:</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canada</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">171,617</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,084</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">186,812</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">338,432</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">721,945</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">701,998</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">692,600</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">United States</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">43,595</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">776</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,405</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">70,917</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">116,693</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">113,529</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">101,495</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">United Kingdom</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">525</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,830</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,355</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">41,184</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">34,046</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Mexico</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,544</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,477</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">18,716</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,737</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">39,520</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">39,091</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Peru</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,672</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">90</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,119</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,820</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,701</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,945</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19,917</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Chile</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,695</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,606</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">144</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,370</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,815</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24,054</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,135</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Colombia</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,408</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other International</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,330</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,096</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,924</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,419</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,769</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">40,259</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">45,587</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div></div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250,453</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,129</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">198,929</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">508,504</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,006,015</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">981,489</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">966,279</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Deposits denominated in U.S. dollars amount to $329,956 (April 30, 2026 – $317,453 ; October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $21,091 (April 30, 2026 – $20,300; October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $38,592 (April 30, 2026 – $36,731; October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $110,620 (April 30, 2026 – $109,608; October 31, 2025 – $117,530). </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Arial">The following table presents the maturity schedule for term deposits in Canada greater than $100,000<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div>. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:42%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Within<br/> three months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Three to<br/> six months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Six to<br/> twelve months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">One to five<br/> years</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Over<br/> five years</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">As at July 31, 2026</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">53,271</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">36,903</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">67,336</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">110,107</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,569</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">288,186</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">As at April 30, 2026</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">50,686</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">35,285</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">68,997</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">105,503</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,322</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">280,793</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">As at October 31, 2025</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 54,287</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 37,607</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 57,519</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 109,573</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 15,165</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 274,151</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The majority of foreign term deposits are in excess of $100,000. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 30%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="26" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="18" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">October 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Payable on demand<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td rowspan="2" style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" rowspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: Arial; font-weight: bold; text-align: right; line-height: normal;">Payable</div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: Arial; font-weight: bold; text-align: right; line-height: normal;">after<br/> notice<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td rowspan="2" style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest-<br/> bearing</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest-</div><br/> bearing</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Payable on a<br/> fixed date<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Personal</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,623</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,573</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">124,262</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123,612</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">298,070</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 295,240</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 301,718</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Business and government</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">202,923</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35,007</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">72,044</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">358,688</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">668,662</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">644,305</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">627,667</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Financial institutions</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,907</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,549</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,623</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26,204</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,283</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">41,944</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">36,894</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 30%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250,453</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,129</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">198,929</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">508,504</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,006,015</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">981,489</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">966,279</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Recorded in:</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canada</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">171,617</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,084</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">186,812</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">338,432</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">721,945</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">701,998</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">692,600</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">United States</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">43,595</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">776</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,405</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">70,917</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">116,693</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">113,529</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">101,495</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">United Kingdom</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">525</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,830</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,355</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">41,184</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">34,046</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Mexico</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,544</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,477</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">18,716</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,737</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">39,520</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">39,091</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Peru</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,672</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">90</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,119</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,820</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,701</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,945</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19,917</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Chile</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,695</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,606</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">144</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,370</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,815</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24,054</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,135</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Colombia</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,408</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other International</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,330</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,096</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,924</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,419</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,769</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">40,259</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">45,587</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 30%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div></div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250,453</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,129</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">198,929</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">508,504</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,006,015</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">981,489</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">966,279</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Deposits denominated in U.S. dollars amount to $329,956 (April 30, 2026 – $317,453 ; October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $21,091 (April 30, 2026 – $20,300; October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $38,592 (April 30, 2026 – $36,731; October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $110,620 (April 30, 2026 – $109,608; October 31, 2025 – $117,530). </div> </td> </tr> </table>
38623000000
11573000000
124262000000
123612000000
298070000000
295240000000
301718000000
202923000000
35007000000
72044000000
358688000000
668662000000
644305000000
627667000000
8907000000
1549000000
2623000000
26204000000
39283000000
41944000000
36894000000
250453000000
48129000000
198929000000
508504000000
1006015000000
981489000000
966279000000
171617000000
25084000000
186812000000
338432000000
721945000000
701998000000
692600000000
43595000000
776000000
1405000000
70917000000
116693000000
113529000000
101495000000
0
0
525000000
40830000000
41355000000
41184000000
34046000000
14544000000
8477000000
0
18716000000
41737000000
39520000000
39091000000
12672000000
90000000
1119000000
6820000000
20701000000
20945000000
19917000000
1695000000
5606000000
144000000
17370000000
24815000000
24054000000
23135000000
0
0
0
0
0
10408000000
6330000000
8096000000
8924000000
15419000000
38769000000
40259000000
45587000000
250453000000
48129000000
198929000000
508504000000
1006015000000
981489000000
966279000000
329956000000
317453000000
297065000000
21091000000
20300000000
20053000000
38592000000
36731000000
35941000000
110620000000
109608000000
117530000000
<div style="margin-top:6pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Arial">The following table presents the maturity schedule for term deposits in Canada greater than $100,000<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div>. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:42%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Within<br/> three months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Three to<br/> six months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Six to<br/> twelve months</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">One to five<br/> years</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Over<br/> five years</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">As at July 31, 2026</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">53,271</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">36,903</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">67,336</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">110,107</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,569</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">288,186</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">As at April 30, 2026</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">50,686</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">35,285</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">68,997</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">105,503</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,322</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">280,793</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">As at October 31, 2025</div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 54,287</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 37,607</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 57,519</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 109,573</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 15,165</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 274,151</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The majority of foreign term deposits are in excess of $100,000. </div> </td> </tr> </table>
53271000000
36903000000
67336000000
110107000000
20569000000
288186000000
50686000000
35285000000
68997000000
105503000000
20322000000
280793000000
54287000000
37607000000
57519000000
109573000000
15165000000
274151000000
100000000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td id="tx93977_10" style="width:4%;vertical-align:top;text-align:left">10.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Capital and financing transactions </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial;text-indent: 0px;">Common shares </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;text-indent: 0px;"> </div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 58%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of shares</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Number of shares</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Outstanding at beginning of period</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,226,787,360</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 22,002</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,245,549,363</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 22,138</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Issued in relation to share-based payments, net</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">672,594</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">138,392</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Repurchased for cancellation under the Normal Course Issuer Bid</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8,648,300</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(159</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(3,227,456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Outstanding at end of period</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,218,811,654</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,899</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1,242,460,299</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">22,089</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;text-indent: 0px;"> </div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 58%;"></td>
<td style="vertical-align: bottom; width: 0%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom; width: 0%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the nine months ended</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of shares</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Number of shares</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Outstanding at beginning of period</div> </td>
<td style="vertical-align: bottom; width: 0%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,236,305,738</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 0%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 22,067</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,244,435,686</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 22,054</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Issued in relation to share-based payments, net</div> </td>
<td style="vertical-align: bottom; width: 0%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,414,326</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 0%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">196</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,252,069</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">94</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Repurchased for cancellation under the Normal Course Issuer Bid</div> </td>
<td style="vertical-align: bottom; width: 0%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19,908,410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 0%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(364</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(3,227,456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Outstanding at end of period</div> </td>
<td style="vertical-align: bottom; width: 0%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,218,811,654</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 0%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,899</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1,242,460,299</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">22,089</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> </div> <div style="font-family: Arial; font-size: 9.5pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Normal Course Issuer Bid </div></div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">On April 2, 2026, the Bank announced that OSFI and the Toronto Stock Exchange (TSX) approved the Bank’s normal course issuer bid (the “2026 NCIB”) to repurchase for cancellation up to 15 million of the Bank’s common shares. Purchases under the 2026 NCIB commenced on April 7, 2026. The 2026 NCIB will terminate upon the earlier of: (i) the Bank purchasing 15 million common shares under the 2026 NCIB, (ii) the Bank providing notice of termination, or (iii) April 6, 2027. </div></div></div> <div style="letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">On May 28, 2025, the Bank announced that OSFI and the Toronto Stock Exchange (TSX) approved a normal course issuer bid (the “2025 NCIB”) pursuant to which it may repurchase for cancellation up to 20 million of the Bank’s common shares. The 2025 NCIB commenced on May 30, 2025, and terminated on April 6, 2026. From commencement of the 2025 NCIB until termination on April 6, 2026, the Bank repurchased and cancelled all of the 20 million common shares at an average price of $90.47 per share for a total amount of $1,846 million, including tax. </div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">During the quarter ended July 31, 2026, the Bank repurchased and cancelled approximately 8.6 million common shares at an average price of $116.89 per share for a total of $1,031 million, including </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">tax. Cumulatively under the 2026 NCIB and 2025 NCIB, during the nine months ended July 31, 2026, the Bank repurchased and canceled approximately 19.9 million common shares at an average price of $107.42 per share for a total of $2,182 million, including tax. </div></div></div> <div style="letter-spacing: 0px; top: 0px; background: none;text-indent: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px; background: none; text-decoration: none;display:inline;"> </div></div> <div style="font-family: Arial; font-size: 9.5pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Subordinated Debentures </div></div></div></div> <div style="font-family: Arial; font-size: 9.5pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Issuance </div></div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">On July 23, 2026, the Bank issued $1.25 billion 4.223% Subordinated Debentures due August 1, 2036 (Non-Viability Contingent Capital (NVCC)). The debentures are subject to optional redemption by the Bank on or after August 1, 2031, and following the occurrence of certain defined events. Interest on such Debentures at the rate of 4.223% per annum will be payable in equal (subject to a long first coupon) semi-annual payments in arrears on February 1 and August 1 in each year, commencing February 1, 2027, and continuing until August 1, 2031, and thereafter payable quarterly in arrears to, but excluding, August 1, 2036, at Daily Compounded CORRA plus 1.23%. The initial interest payment (long first coupon), payable on February 1, 2027, will be $22.15628767 per $1,000 principal amount of Debentures. The debentures contain NVCC provisions necessary to qualify as Tier 2 regulatory capital under Basel III. </div></div></div> <div style="font-family: Arial; font-size: 9.5pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="null;text-indent: 0px;font-style:italic;display:inline;">Preferred shares and other equity <div style="letter-spacing: 0px; top: 0px;display:inline;">instruments</div></div></div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">On July 24, 2026, the Bank announced the interest rate for its $1.25 billion principal amount of 3.70% </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;">Fixed Rate Resetting Limited Recourse Capital Notes, Series 1 (Non-Viability Contingent Capital (NVCC)) (<div style="display:inline;">Notes</div>) for the five-year period commencing on July 27, 2026. Interest on the Notes for the period from and including July 27, 2026, to, but excluding, July 27, 2031, will be</div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> 5.987% </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;">per annum, calculated as the interest rate per annum equal to the Government of Canada Yield on the business day prior to the interest reset date of July 27, 2026, plus</div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"> 2.761<div style="display:inline;">%. Interest on the Notes will continue to be payable quarterly in arrears on January 27, April 27, July 27 and October 27 of each year, with the first such payment occurring on October 27, 2026.</div></div></div></div> <div style="letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div><div style="letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="text-align: right; font-family: Arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 58%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of shares</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Number of shares</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Outstanding at beginning of period</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,226,787,360</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 22,002</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,245,549,363</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 22,138</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Issued in relation to share-based payments, net</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">672,594</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">138,392</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Repurchased for cancellation under the Normal Course Issuer Bid</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8,648,300</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(159</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(3,227,456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Outstanding at end of period</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,218,811,654</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,899</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1,242,460,299</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">22,089</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;text-indent: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 58%;"></td>
<td style="vertical-align: bottom; width: 0%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom; width: 0%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the nine months ended</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of shares</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Number of shares</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Amount</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Outstanding at beginning of period</div> </td>
<td style="vertical-align: bottom; width: 0%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,236,305,738</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 0%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 22,067</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,244,435,686</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 22,054</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Issued in relation to share-based payments, net</div> </td>
<td style="vertical-align: bottom; width: 0%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,414,326</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 0%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">196</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,252,069</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">94</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 58%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Repurchased for cancellation under the Normal Course Issuer Bid</div> </td>
<td style="vertical-align: bottom; width: 0%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19,908,410</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 0%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(364</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(3,227,456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Outstanding at end of period</div> </td>
<td style="vertical-align: bottom; width: 0%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,218,811,654</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 0%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,899</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">1,242,460,299</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">22,089</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table>
1226787360
22002000000
1245549363
22138000000
672594
56000000
138392
10000000
-8648300
159000000
-3227456
59000000
1218811654
21899000000
1242460299
22089000000
1236305738
22067000000
1244435686
22054000000
2414326
196000000
1252069
94000000
-19908410
364000000
-3227456
59000000
1218811654
21899000000
1242460299
22089000000
15000000
15000000
20000000
20000000
90.47
1846000000
8600000
116.89
1031000000
19900000
107.42
2182000000
1250000000
0.04223
0.04223
0.0123
The initial interest payment (long first coupon), payable on February 1, 2027, will be $22.15628767 per $1,000 principal amount of Debentures
1250000000
0.037
0.05987
0.02761
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_11" style="width:4%;vertical-align:top;text-align:left">11.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Capital management </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank’s regulatory capital, total loss absorbing capacity and leverage measures were as follows: </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 66%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-align: right; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">July 31</div></div></div> <div style="text-align: right; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2026</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-align: right; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">April 30</div></div></div> <div style="text-align: right; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2026</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Capital<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common Equity Tier 1 capital</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">64,508</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">62,972</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">62,752</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net Tier 1 capital</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74,494</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">72,961</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">72,790</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total regulatory capital</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">83,483</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">80,724</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">80,908</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total loss absorbing capacity (TLAC)<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">140,919</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">135,476</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">138,049</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Risk-weighted assets/exposures used in calculation of capital ratios</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Risk-weighted assets<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">492,866</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">474,440</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">474,453</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Leverage exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,723,928</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,689,877</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,622,415</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Regulatory ratios<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common Equity Tier 1 capital ratio</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13.3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13.2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Tier 1 capital ratio</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15.4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15.3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total capital ratio</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17.0</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17.1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total loss absorbing capacity ratio<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">28.6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29.1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Leverage ratio<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total loss absorbing capacity leverage ratio<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.2</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">%</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">8.0</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;">% </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">8.5</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;">% </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">The Q3 2026 and Q2 2026 regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2025). The Q4 2025 regulatory capital ratios were based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018). </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The leverage ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023). </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank substantially exceeded the OSFI minimum regulatory capital and TLAC ratios as at July 31, 2026, <div style="letter-spacing: 0px; top: 0px;display:inline;">including </div>the Domestic Stability Buffer requirement. In addition, the Bank substantially exceeded the OSFI minimum leverage and TLAC leverage ratios as at July 31, 2026. </div>
<div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The Bank’s regulatory capital, total loss absorbing capacity and leverage measures were as follows: </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 66%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-align: right; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">July 31</div></div></div> <div style="text-align: right; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2026</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-align: right; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">April 30</div></div></div> <div style="text-align: right; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2026</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Capital<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common Equity Tier 1 capital</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">64,508</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">62,972</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">62,752</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net Tier 1 capital</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74,494</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">72,961</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">72,790</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total regulatory capital</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">83,483</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">80,724</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">80,908</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total loss absorbing capacity (TLAC)<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">140,919</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">135,476</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">138,049</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Risk-weighted assets/exposures used in calculation of capital ratios</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Risk-weighted assets<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">492,866</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">474,440</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">474,453</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Leverage exposures<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,723,928</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,689,877</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,622,415</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Regulatory ratios<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 3%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Common Equity Tier 1 capital ratio</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13.3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13.2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Tier 1 capital ratio</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15.4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15.3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total capital ratio</div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17.0</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17.1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total loss absorbing capacity ratio<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">28.6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29.1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Leverage ratio<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4.5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;">% </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 64%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total loss absorbing capacity leverage ratio<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.2</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">%</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">8.0</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;">% </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">8.5</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;">% </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">The Q3 2026 and Q2 2026 regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2025). The Q4 2025 regulatory capital ratios were based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018). </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The leverage ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023). </div> </td> </tr> </table>
64508000000
62972000000
62752000000
74494000000
72961000000
72790000000
83483000000
80724000000
80908000000
140919000000
135476000000
138049000000
492866000000
474440000000
474453000000
1723928000000
1689877000000
1622415000000
0.131
0.133
0.132
0.151
0.154
0.153
0.169
0.17
0.171
0.286
0.286
0.291
0.043
0.043
0.045
0.082
0.08
0.085
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_12" style="width:4%;vertical-align:top;text-align:left">12.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Share-based payments </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">In Q1 2026, the Bank granted 1,428,056 options with an exercise price of $100.35 per option and a weighted average fair value of $10.68 to select employees, under the terms of the Employee Stock Option Plan. These stock options vest 50% at the end of the third year and 50% at the end of the fourth year.</div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank recorded a decrease to equity – other reserves of $1 million for the three months ended July 31, 2026 and an increase of $9 million for the nine months ended July 31, 2026 (July 31, 2025 – $2 million and $13 million), as a result of equity-classified share-based payment expense. </div></div></div>
1428056
100.35
10.68
0.50
0.50
-1000000
9000000
2000000
13000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_13" style="width:4%;vertical-align:top;text-align:left">13.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Employee benefits </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Employee benefits include pensions, other post-retirement benefits, and post-employment benefits. The following table summarizes the expenses for the Bank’s principal plans<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div>. </div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 52%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Pension plans</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Other benefit plans</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">July 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">July 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined benefit service cost</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">60</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">70</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(57</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 52%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest on net defined benefit (asset) liability</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(5</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 52%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined benefit expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">57</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">71</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">20</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(40</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined contribution expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">58</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">52</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 52%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Actuarial gains (losses) on employee benefit plans in other comprehensive income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 372</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 65</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 267</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 71</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 69%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the nine months ended</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Pension plans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Other benefit plans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">July 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">July 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 69%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined benefit service cost</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">180</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">214</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(45</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 69%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest on net defined benefit (asset) liability</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(18</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 69%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 69%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined benefit expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">171</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">214</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 69%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined contribution expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">172</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">154</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 69%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Actuarial gains (losses) on employee benefit plans in other comprehensive income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 712</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 294</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 63</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);">) </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note. </div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Includes benefit related to certain post-retirement plan amendments. </div> </td> </tr>
<tr>
<td style="width: 4%;"> <div style="margin-bottom: 0px; margin-top: 0px; line-height: normal;"> </div> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually. </div> </td> </tr> </table>
<div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Employee benefits include pensions, other post-retirement benefits, and post-employment benefits. The following table summarizes the expenses for the Bank’s principal plans<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div>. </div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 52%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Pension plans</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Other benefit plans</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">July 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">July 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined benefit service cost</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">60</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">70</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(57</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 52%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest on net defined benefit (asset) liability</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(5</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 52%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined benefit expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">57</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">71</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">20</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(40</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 52%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined contribution expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">58</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">52</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 52%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Actuarial gains (losses) on employee benefit plans in other comprehensive income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 372</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 65</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 267</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 71</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 69%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="14" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the nine months ended</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Pension plans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="6" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">Other benefit plans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">July 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">July 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 69%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined benefit service cost</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">180</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">214</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(45</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 69%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest on net defined benefit (asset) liability</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(18</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 69%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 69%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined benefit expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">171</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">214</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 69%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Defined contribution expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">172</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">154</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 69%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Actuarial gains (losses) on employee benefit plans in other comprehensive income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 712</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 294</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 63</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);">) </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note. </div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Includes benefit related to certain post-retirement plan amendments. </div> </td> </tr>
<tr>
<td style="width: 4%;"> <div style="margin-bottom: 0px; margin-top: 0px; line-height: normal;"> </div> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually. </div> </td> </tr> </table>
-60000000
-60000000
-70000000
-4000000
-5000000
57000000
6000000
6000000
2000000
-16000000
-16000000
-16000000
-3000000
-3000000
-3000000
5000000
1000000
-1000000
57000000
57000000
71000000
15000000
20000000
-40000000
58000000
58000000
52000000
372000000
65000000
267000000
71000000
-1000000
3000000
-180000000
-214000000
-14000000
45000000
18000000
9000000
-48000000
-46000000
-9000000
-9000000
6000000
-1000000
171000000
214000000
56000000
2000000
172000000
154000000
1000000
712000000
294000000
63000000
-19000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td id="tx93977_14" style="width: 4%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">14.</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: Arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Operating segments </div></div></div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">The Bank’s businesses are grouped into four business lines: Canadian Banking, International Banking, Global Wealth Management and Global Banking and Markets. <div style="letter-spacing: 0px; top: 0px;display:inline;">The Other segment includes Group Treasury, investments in certain associated corporations, smaller operating segments, intersegment elimination, corporate expenses and other corporate items which are not allocated to a business line.</div><div style="letter-spacing: 0px; top: 0px;display:inline;"> The accounting policies used in these segments are generally consistent with those followed in the preparation of the consolidated financial statements as disclosed in Note 3.</div></div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;"><div style="text-indent: 0px; letter-spacing: 0px; top: 0px;display:inline;">Effective Q1 2026, the Bank no longer analyzes business segment revenues on a taxable equivalent basis (TEB). Under the TEB methodology, tax-exempt income earned on certain securities reported in either net interest income or non-interest income was grossed up to an equivalent before tax basis. It also grossed up net income from associated corporations to normalize the effective tax rate in the business lines. Corresponding increases were made to the income tax expense; hence, there was no impact on the segment’s net income. The elimination of the TEB gross-up was recorded in the Other segment, resulting in no impact on the consolidated results. The TEB gross-up recorded in the business segments has significantly decreased in recent quarters as the Bank no longer claims the dividend received deduction on Canadian shares, following the enactment of Bill C-59 in January 2024. Prior period results have not been restated and include a TEB gross-up of </div>$8 <div style="text-indent: 0px; letter-spacing: 0px; top: 0px;display:inline;">for the three months ended July 31, 2025 and</div> $25 <div style="letter-spacing: 0px; top: 0px;display:inline;">for the nine months ended July 31, 2025, impacting the International Banking business segment.</div></div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;text-indent: 0px;"> </div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 51%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the three months ended July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Canadian<br/> Banking</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">International<br/> Banking</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/> Wealth<br/> Management</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/> Banking and<br/> Markets</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net interest income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,837</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,192</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">331</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">470</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">36</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,866</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)(3)</div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">809</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">756</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,566</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,544</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,669</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total revenues</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,646</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,948</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,897</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,014</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,535</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Provision for credit losses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">498</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">522</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">53</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,079</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Depreciation and amortization</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">136</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">122</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">398</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,538</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,331</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,148</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,068</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,158</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">403</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">207</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">179</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(32</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">947</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,071</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">766</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">518</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">647</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(49</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,953</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">45</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to equity holders of the Bank</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,071</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">725</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">515</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">647</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,908</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">477</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">43</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">617</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">233</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,585</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">375</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">177</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">607</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">278</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;text-indent: 0px;">Includes income from associated corporations for Canadian Banking – $(3), International Banking – $65,<div style="letter-spacing: 0px; top: 0px;display:inline;"> GBM – $1, and Other – </div>$159. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Arial;text-align:right"></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 49%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended April 30, 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/> Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/> Banking and<br/> Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net interest income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,703</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,094</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">306</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">389</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 5,521</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)(3)</div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">780</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">765</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,454</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,203</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 114</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%; padding: 0px;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4,316</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total revenues</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,483</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,859</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,760</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,592</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">143</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,837</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Provision for credit losses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">575</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">599</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,217</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Depreciation and amortization</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">142</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">124</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">410</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,478</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,246</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,069</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">906</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">80</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; padding: 0px;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,779</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 49%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">353</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">154</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">164</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">132</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">799</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">935</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">736</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">476</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">457</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">28</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,632</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">35</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">37</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to equity holders of the Bank</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">935</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">701</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">474</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">457</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">28</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,595</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">475</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">211</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">41</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">568</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">222</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,517</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">374</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">170</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">556</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">274</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,429</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes income from associated corporations for Canadian Banking – $(2), International Banking – $65, and Other – $159. </div> </td> </tr> </table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="text-align: right; font-family: Arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"></div></div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 50%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/> Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/> Banking and<br/> Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net interest income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,641</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">266</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">350</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,493</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)(3)</div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">730</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">758</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,338</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,180</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (13</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,993</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total revenues</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,371</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,003</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,604</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,530</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,486</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Provision for credit losses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">562</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,041</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Depreciation and amortization</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">137</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">119</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">405</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,459</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,392</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">982</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">829</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,684</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">361</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">219</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">150</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">144</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(45</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">829</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">958</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">711</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">420</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">473</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(35</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,527</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">41</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">80</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to equity holders of the Bank</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">958</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">670</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">417</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">473</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(71</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,447</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">463</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">223</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">39</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">493</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">228</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,446</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">381</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">173</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">50</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">513</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">243</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,360</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in <div style="letter-spacing: 0px; top: 0px;display:inline;">Glob</div>al Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(2), International Banking – $39, and Other – $120. </div> </td> </tr> </table> <div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 46%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the nine months ended July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Canadian<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">International<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Wealth<br/>Management</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Banking and<br/>Markets</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Other</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 8,274</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 6,432</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">941</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,257</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 65</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="display:inline;"> </div></div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,969</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,369</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,336</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,517</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,117</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(290</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,049</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 10,643</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,768</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,458</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,374</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(225</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30,018</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,649</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,657</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">151</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,472</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">415</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">364</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">138</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">168</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,193</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,494</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,919</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,318</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,933</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">187</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,851</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,119</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">589</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">510</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">474</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(74</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,618</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,966</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,239</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,478</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,648</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(447</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,884</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests <br/>in subsidiaries</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">96</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">94</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,966</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,143</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,470</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,649</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(438</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,790</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">475</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">42</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">577</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">224</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,533</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">376</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">173</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">571</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">268</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,444</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.</div></div></div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"></td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;text-indent: 0px;">Includes income from associated corporations for Canadian Banking – $(14), International Banking – $178,<div style="letter-spacing: 0px; top: 0px;display:inline;"> GBM – $1, and Other – </div>$468. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(4)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div></div></div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:47%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the nine months ended July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/> Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/> Banking and<br/> Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net interest income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 7,812</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 6,593</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">744</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,037</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(250</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,936</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)(3)</div></div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,206</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,399</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,980</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,545</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(128</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">12,002</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total revenues</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 10,018</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 8,992</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 4,724</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,582</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(378</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,938</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Provision for credit losses</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,799</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,714</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">77</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,601</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Depreciation and amortization</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">412</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">364</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">143</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">194</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">88</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,201</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,376</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,223</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,906</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,469</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,515</td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,489</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">947</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">580</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">435</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">440</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(307</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,095</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,484</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,111</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,230</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,402</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (1,675</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5,552</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">114</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(138</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(18</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to equity holders of the Bank</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,484</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,997</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,223</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,403</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1,537</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5,570</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average assets<div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> ($ billions) </div></div></div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">461</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">227</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">38</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">502</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">230</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,458</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">383</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">175</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">47</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">513</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">255</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,373</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Card revenues and Banking services fees are mainly earned in Canadian Banking and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $20, International Banking – $112, and Other – $297. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div> </td> </tr> </table>
The Bank’s businesses are grouped into four business lines: Canadian Banking, International Banking, Global Wealth Management and Global Banking and Markets. The Other segment includes Group Treasury, investments in certain associated corporations, smaller operating segments, intersegment elimination, corporate expenses and other corporate items which are not allocated to a business line.
8000000
25000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 51%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the three months ended July 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Canadian<br/> Banking</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">International<br/> Banking</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/> Wealth<br/> Management</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/> Banking and<br/> Markets</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net interest income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,837</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,192</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">331</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">470</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">36</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,866</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)(3)</div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">809</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">756</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,566</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,544</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,669</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total revenues</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,646</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,948</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,897</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,014</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,535</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Provision for credit losses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">498</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">522</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">53</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,079</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Depreciation and amortization</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">136</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">122</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">398</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,538</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,331</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,148</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,068</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,158</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">403</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">207</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">179</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(32</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">947</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,071</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">766</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">518</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">647</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(49</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,953</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">45</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to equity holders of the Bank</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,071</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">725</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">515</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">647</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,908</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 51%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">477</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">43</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">617</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">233</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,585</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 51%; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">375</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">177</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">607</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">278</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,495</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;text-indent: 0px;">Includes income from associated corporations for Canadian Banking – $(3), International Banking – $65,<div style="letter-spacing: 0px; top: 0px;display:inline;"> GBM – $1, and Other – </div>$159. </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Arial;text-align:right"></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 49%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended April 30, 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/> Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/> Banking and<br/> Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net interest income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,703</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,094</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">306</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">389</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 5,521</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)(3)</div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">780</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">765</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,454</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,203</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 114</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%; padding: 0px;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4,316</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total revenues</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,483</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,859</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,760</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,592</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">143</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,837</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Provision for credit losses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">575</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">599</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,217</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Depreciation and amortization</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">142</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">124</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">59</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">410</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,478</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,246</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,069</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">906</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">80</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; padding: 0px;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,779</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 49%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">353</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">154</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">164</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">132</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">799</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">935</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">736</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">476</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">457</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">28</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,632</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">35</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">37</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to equity holders of the Bank</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">935</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">701</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">474</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">457</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">28</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,595</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">475</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">211</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">41</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">568</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">222</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,517</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 49%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">374</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">170</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">556</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">274</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,429</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes income from associated corporations for Canadian Banking – $(2), International Banking – $65, and Other – $159. </div> </td> </tr> </table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="text-align: right; font-family: Arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"></div></div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 50%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/> Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/> Banking and<br/> Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net interest income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,641</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">266</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">350</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,493</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)(3)</div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">730</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">758</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,338</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,180</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (13</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,993</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total revenues</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,371</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,003</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,604</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,530</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,486</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Provision for credit losses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">562</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,041</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Depreciation and amortization</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">137</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">119</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">405</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,459</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,392</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">982</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">829</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,684</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">361</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">219</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">150</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">144</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(45</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">829</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">958</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">711</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">420</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">473</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(35</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,527</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">41</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">36</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">80</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to equity holders of the Bank</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">958</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">670</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">417</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">473</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(71</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,447</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">463</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">223</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">39</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">493</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">228</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,446</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 50%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">381</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">173</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">50</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 3%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">513</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">243</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,360</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in <div style="letter-spacing: 0px; top: 0px;display:inline;">Glob</div>al Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(2), International Banking – $39, and Other – $120. </div> </td> </tr> </table> <div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 46%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the nine months ended July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Canadian<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">International<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Wealth<br/>Management</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Banking and<br/>Markets</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Other</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 8,274</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 6,432</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">941</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,257</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 65</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="display:inline;"> </div></div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,969</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,369</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,336</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,517</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,117</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(290</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,049</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 10,643</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,768</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,458</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,374</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(225</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30,018</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,649</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,657</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">151</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,472</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">415</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">364</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">138</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">168</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,193</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></div> </td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,494</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,919</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,318</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,933</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">187</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div> </div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,851</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,119</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">589</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">510</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">474</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(74</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,618</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,966</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,239</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,478</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,648</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(447</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,884</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests <br/>in subsidiaries</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">96</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">94</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,966</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,143</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,470</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,649</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(438</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,790</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">475</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">42</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">577</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">224</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,533</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">376</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">173</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">571</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">268</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,444</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="null;text-indent: 0px;"> <div style="clear:both;max-height:0pt;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.</div></div></div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"></td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;text-indent: 0px;">Includes income from associated corporations for Canadian Banking – $(14), International Banking – $178,<div style="letter-spacing: 0px; top: 0px;display:inline;"> GBM – $1, and Other – </div>$468. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial Narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(4)</div></td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "Arial Narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div></div></div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:47%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the nine months ended July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/> Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/> Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/> Banking and<br/> Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net interest income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 7,812</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 6,593</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">744</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,037</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(250</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,936</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)(3)</div></div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,206</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,399</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,980</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,545</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(128</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">12,002</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total revenues</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 10,018</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 8,992</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 4,724</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,582</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(378</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,938</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Provision for credit losses</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,799</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,714</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">77</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,601</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Depreciation and amortization</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">412</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">364</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">143</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">194</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">88</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,201</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,376</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,223</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,906</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,469</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,515</td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,489</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Income tax expense</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">947</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">580</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">435</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">440</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(307</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,095</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,484</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,111</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,230</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,402</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (1,675</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5,552</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">114</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(138</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(18</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to equity holders of the Bank</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,484</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,997</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,223</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,403</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1,537</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5,570</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average assets<div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> ($ billions) </div></div></div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">461</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">227</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">38</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">502</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">230</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,458</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">383</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">175</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">47</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">513</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">255</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,373</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Card revenues and Banking services fees are mainly earned in Canadian Banking and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $20, International Banking – $112, and Other – $297. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style="text-align: left; font-family: "Arial Narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div> </td> </tr> </table>
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580000000
435000000
440000000
-307000000
2095000000
2484000000
2111000000
1230000000
1402000000
1675000000
5552000000
114000000
7000000
-1000000
-138000000
-18000000
2484000000
1997000000
1223000000
1403000000
-1537000000
5570000000
461000000000
227000000000
38000000000
502000000000
230000000000
1458000000000
383000000000
175000000000
47000000000
513000000000
255000000000
1373000000000
20000000
112000000
297000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_15" style="width:4%;vertical-align:top;text-align:left">15.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Interest income and expense </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 27%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the nine months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">April 30, 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/> income</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/> expense</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> income</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> expense</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> income</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> expense</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/> income</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/> expense</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> income</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> expense</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Measured at amortized cost<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 12,470</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 8,107</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,676</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,519</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,570</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 36,077</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,319</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,191</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,271</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Measured at FVOCI<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,283</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,172</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,415</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,649</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4,212</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,753</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,107</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,848</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,519</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13,883</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,570</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,726</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,319</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">42,403</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,271</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">274</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">247</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">237</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">57</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">727</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">165</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">984</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">180</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,027</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 8,161</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 13,095</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 7,574</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 14,120</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">8,627</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,453</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,484</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 43,387</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 27,451</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The interest income/expense on financial assets/liabilities are calculated using the effective interest method. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes dividend income on equity securities. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes interest on lease liabilities for the three months ended July 31, 2026 – $38 (April 30, 2026 – $39; July 31, 2025 – $30) and for the nine months ended July 31, 2026 – $108 (July 31, 2025 – $93) and insurance finance expense for the three months ended July 31, 2026 – $8 (April 30, 2026 – $8; July 31, 2025 – $8) and for the nine months ended July 31, 2026 – $24 (July 31, 2025 – $25). </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 27%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="22" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the nine months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">April 30, 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">July 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/> income</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/> expense</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> income</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> expense</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> income</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> expense</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/> income</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/> expense</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> income</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Interest<br/> expense</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Measured at amortized cost<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 12,470</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 8,107</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,676</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,519</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,570</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 36,077</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,319</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,191</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,271</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Measured at FVOCI<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,283</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,172</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,415</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,649</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4,212</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 27%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,753</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,107</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,848</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,519</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13,883</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,570</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,726</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,319</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">42,403</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,271</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">274</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">247</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">237</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">57</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">727</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">165</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">984</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">180</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 27%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,027</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 8,161</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 13,095</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 7,574</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 14,120</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">8,627</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,453</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,484</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 43,387</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 27,451</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The interest income/expense on financial assets/liabilities are calculated using the effective interest method. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes dividend income on equity securities. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Includes interest on lease liabilities for the three months ended July 31, 2026 – $38 (April 30, 2026 – $39; July 31, 2025 – $30) and for the nine months ended July 31, 2026 – $108 (July 31, 2025 – $93) and insurance finance expense for the three months ended July 31, 2026 – $8 (April 30, 2026 – $8; July 31, 2025 – $8) and for the nine months ended July 31, 2026 – $24 (July 31, 2025 – $25). </div> </td> </tr> </table> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div>
12470000000
-8107000000
11676000000
-7519000000
12468000000
-8570000000
36077000000
-23319000000
38191000000
-27271000000
1283000000
1172000000
1415000000
3649000000
4212000000
13753000000
8107000000
12848000000
7519000000
13883000000
8570000000
39726000000
23319000000
42403000000
27271000000
274000000
54000000
247000000
55000000
237000000
57000000
727000000
165000000
984000000
180000000
14027000000
8161000000
13095000000
7574000000
14120000000
8627000000
40453000000
23484000000
43387000000
27451000000
38000000
39000000
30000000
108000000
93000000
8000000
8000000
8000000
24000000
25000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_16" style="width:4%;vertical-align:top;text-align:left">16.</td>
<td style="vertical-align:top;text-align:left"><div style="text-align: left; font-family: Arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Earnings per share </div></td></tr></table><div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="null;text-indent: 0px;"><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 58%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the nine months<br/> ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Basic earnings per common share</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to common shareholders</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,778</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,313</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 7,401</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 5,179</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign currency loss on redemption of Subordinated Additional Tier 1 Capital Notes</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">)</td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to common shareholders used to calculate basic earnings per common share</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,778</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,291</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,401</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,157</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Weighted average number of common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,223</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,230</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,244</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,229</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,245</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Basic earnings per common share<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (in dollars)</div></div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.27</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2.01</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1.84</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.02</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4.14</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Diluted earnings per common share</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%; white-space: nowrap;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal; white-space: nowrap;">Net income attributable to common shareholders used to calculate basic earnings per<div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"> </div>common<br/> share</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,778</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,291</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,401</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,157</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Dilutive impact of share-based payment options and others<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(136</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">)</td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to common shareholders (diluted)</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,778</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,468</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,291</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,392</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5,021</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Weighted average number of common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,223</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,230</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,244</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,229</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Dilutive impact of share-based payment options and others<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Weighted average number of diluted common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,226</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,232</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,245</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,232</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Diluted earnings per common share<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (in dollars)</div></div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.27</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2.00</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1.84</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.00</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4.02</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Earnings per share calculations are based on full dollar and share amounts. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 58%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="6" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the nine months<br/> ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Basic earnings per common share</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to common shareholders</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,778</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,313</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 7,401</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 5,179</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign currency loss on redemption of Subordinated Additional Tier 1 Capital Notes</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">)</td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to common shareholders used to calculate basic earnings per common share</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,778</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,291</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,401</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,157</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Weighted average number of common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,223</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,230</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,244</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,229</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,245</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Basic earnings per common share<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (in dollars)</div></div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.27</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2.01</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1.84</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.02</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4.14</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Diluted earnings per common share</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 58%; white-space: nowrap;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal; white-space: nowrap;">Net income attributable to common shareholders used to calculate basic earnings per<div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"> </div>common<br/> share</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,778</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,468</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,291</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,401</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,157</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Dilutive impact of share-based payment options and others<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(136</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">)</td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Net income attributable to common shareholders (diluted)</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,778</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,468</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,291</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,392</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5,021</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Weighted average number of common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,223</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,230</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,244</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,229</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,245</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Dilutive impact of share-based payment options and others<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Weighted average number of diluted common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,226</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,232</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,245</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,232</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,250</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 58%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Diluted earnings per common share<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (in dollars)</div></div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.27</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2.00</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1.84</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.00</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4.02</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Earnings per share calculations are based on full dollar and share amounts. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive. </div></td></tr></table>
2778000000
2468000000
2313000000
7401000000
5179000000
-22000000
-22000000
2778000000
2468000000
2291000000
7401000000
5157000000
1223000000
1230000000
1244000000
1229000000
1245000000
2.27
2.01
1.84
6.02
4.14
2778000000
2468000000
2291000000
7401000000
5157000000
-9000000
-136000000
2778000000
2468000000
2291000000
7392000000
5021000000
1223000000
1230000000
1244000000
1229000000
1245000000
3000000
2000000
1000000
3000000
5000000
1226000000
1232000000
1245000000
1232000000
1250000000
2.27
2
1.84
6
4.02
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td id="tx93977_17" style="width:4%;vertical-align:top;text-align:left">17.</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Fair value of financial instruments </div></td></tr></table><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(a) Financial instruments designated at fair value through profit or loss </div><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">In accordance with its risk management strategy, the Bank has elected to designate certain senior note liabilities at fair value through profit or loss to reduce an accounting mismatch between fair value changes in these instruments and fair value changes in related derivatives, and where a hybrid financial liability contains one or more embedded derivatives that are not closely related to the host contract. Changes in fair value of financial liabilities arising from the Bank’s own credit risk are recognized in other comprehensive income, without subsequent reclassification to net income. </div><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The cumulative fair value adjustment due to own credit risk is determined at a point in time by comparing the present value of expected future cash flows over the term of these liabilities discounted at the Bank’s effective funding rate, and the present value of expected future cash flows discounted at a benchmark rate. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table presents the fair value of liabilities designated at fair value through profit or loss and their changes in fair value. </div><div style="font-size: 9pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 36%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: Arial; text-align: center; line-height: normal;">Change in fair value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: Arial; text-align: center; line-height: normal;">Gains/(Losses)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: Arial; text-align: center; line-height: normal;">Cumulative change in fair value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: Arial; text-align: center; line-height: normal;">Gains/(Losses)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 36%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Liabilities</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 36%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Senior note liabilities<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">43,536</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">517</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">507</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1,633</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">4,189</div></div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,672</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4,604</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Change in the difference between the contractual maturity amount and the carrying value. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The cumulative change in fair value is measured from the instrument’s date of initial recognition. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income – trading revenues. </div></td></tr></table> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div><div style="font-family: Arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt; text-indent: 0px; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the changes in fair value attributable to changes in the Bank’s own credit risk for financial liabilities designated at fair value through profit or loss as well as their contractual maturity and carrying amounts. </div></div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:41%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="18" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Senior note liabilities</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Contractual<br/> maturity<br/> amount</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying value</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Difference<br/> between<br/> contractual<br/> maturity<br/> amount and<br/> carrying<br/> value</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Changes in fair value<br/> for the three<br/> months period<br/> attributable to<br/> changes in own<br/> credit risk<br/> recorded in other<br/> comprehensive<br/> income<br/> Gains/(Losses)</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/> <br/> <br/> <br/> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Cumulative changes<br/> in fair value<br/> attributable to<br/> changes in own<br/> credit risk<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div><br/> Gains/(Losses)</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">As at July 31, 2026</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57,053</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,189</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(171</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,610</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">As at April 30, 2026</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">52,301</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,672</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">413</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,439</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">As at July 31, 2025</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 48,140</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 43,536</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 4,604</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (562</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (1,227</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The cumulative change in fair value is measured from the instruments’ date of initial recognition. </div></td></tr></table><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-family: Arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(b) Financial instruments – fair value </div></div></div><div style="font-family: Arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Fair value of financial instruments </div></div></div><div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The calculation of fair value is based on market conditions at a specific point in time and therefore may not be reflective of future fair values. The Bank has controls and processes in place to ensure that the valuation of financial instruments is appropriately determined. </div></div></div><div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Refer to Note 6 of the audited consolidated financial statements in the 2025 Annual Report for the valuation techniques used to fair value its significant financial assets and liabilities. </div></div></div><div style="background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px; background: none; text-decoration: none;display:inline;"> </div></div> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table sets out the fair values of financial instruments of the Bank and excludes <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-financial</div> assets, such as property and equipment, investments in associates, precious metals, goodwill and other intangible assets. </div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:40%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total fair<br/>value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total<br/>carrying<br/>value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total fair<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total<br/>carrying<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total fair<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total<br/>carrying<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Cash and deposits with financial institutions</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 62,455</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 62,455</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">79,301</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">79,301</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65,967</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65,967</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Trading assets</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162,526</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162,526</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 157,689</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 157,689</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 152,223</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 152,223</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Securities purchased under resale agreements and securities borrowed</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">273,638</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">273,638</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">253,177</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">253,177</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">203,008</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">203,008</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,531</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,531</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,709</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,709</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,531</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,531</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment securities – FVOCI and FVTPL</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">130,461</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">130,461</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">127,818</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">127,818</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">126,226</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">126,226</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment securities – amortized cost</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,537</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,221</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,510</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,988</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,239</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,722</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">769,595</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">770,555</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">754,267</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">757,434</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">769,900</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">771,045</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Customers’ liability under acceptances</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">161</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">161</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">155</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">155</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">177</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">177</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other financial assets</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,730</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,730</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,239</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,239</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">28,128</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">28,128</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Liabilities:</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Deposits</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,003,369</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,006,015</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">979,387</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">981,489</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">965,925</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">966,279</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Financial instruments designated at fair value through <br/>profit or loss</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Acceptances</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">157</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">157</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Obligations related to securities sold short</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,971</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,971</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,064</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,064</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,104</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,104</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58,344</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58,344</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56,854</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56,854</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56,031</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56,031</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Obligations related to securities sold under repurchase agreements and securities lent</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">226,261</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">226,261</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">238,663</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">238,663</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189,144</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189,144</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Subordinated debentures</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,923</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,919</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,801</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,766</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,749</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,692</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other financial liabilities</div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,883</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57,045</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">53,031</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">52,913</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">56,500</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">56,529</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div></div><div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">(c) Fair value hierarchy </div><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The best evidence of fair value for a financial instrument is the quoted price in an active market. Unadjusted quoted market prices for identical instruments represent a Level 1 valuation. Where possible, valuations are based on quoted prices or observable inputs obtained from active markets. </div><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Quoted prices are not always available for <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">over-the-counter</div></div> transactions, as well as transactions in inactive or illiquid markets. In these instances, internal models that maximize the use of observable inputs are used to estimate fair value. The chosen valuation technique incorporates all the factors that market participants would take into account in pricing a transaction. When all significant inputs to models are observable, the valuation is classified as Level 2. Financial instruments traded in a less active market are valued using indicative market prices or other valuation techniques. Fair value estimates do not consider forced or liquidation sales. </div><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Where financial instruments trade in inactive markets, illiquid markets or when using models where observable parameters do not exist, greater management judgement is required for valuation purposes. Valuations that require the significant use of unobservable inputs are classified as Level 3. </div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Arial"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Arial">The following table outlines the fair value hierarchy and instruments carried at fair value on a recurring basis. </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 783.359px; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width: 329px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="30" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2026</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 1</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 2</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 3</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Level 1</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Level 2</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Level 3</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Instruments carried at fair value on a recurring basis:</div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="vertical-align: top;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Precious metals<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,908</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,908</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,200</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,200</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Trading assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,300</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,450</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,391</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,537</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government and government guaranteed debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,781</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,465</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19,246</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,886</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,901</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,787</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,846</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,043</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,889</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,498</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,308</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,806</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agencies’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,658</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,664</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,107</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,107</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign governments’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,112</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,578</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,690</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">713</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,219</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,932</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,439</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,701</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,140</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,352</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,216</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,568</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">87,881</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">149</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">88,038</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">82,338</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">150</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">82,505</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,409</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,409</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,447</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,447</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 132,717</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 29,651</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">158</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162,526</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 121,894</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 35,632</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">163</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 157,689</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Investment securities<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government and government guaranteed debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,224</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,567</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,791</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,170</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,273</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,443</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19,235</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,860</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,095</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,815</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,993</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agencies’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,020</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,856</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,876</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">41,153</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,937</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,090</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign governments’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,876</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,391</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,267</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,445</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,268</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,713</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">904</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,127</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,060</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">192</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,053</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,254</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">177</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,931</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,371</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">80</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">335</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,910</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,325</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">89,436</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,064</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,960</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 130,460</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">79,855</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46,044</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,919</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">127,818</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,146</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,146</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,040</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,041</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,996</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,997</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">772</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,135</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,932</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">596</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,181</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,806</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">195</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">217</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">169</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,183</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,195</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">8,265</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">8,272</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">772</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49,699</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,531</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">596</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46,067</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46,709</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Liabilities:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Deposits<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">464</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">464</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">448</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">448</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Financial liabilities designated at fair value through profit or loss</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Obligations related to securities sold short</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37,355</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,615</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,971</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">33,715</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,349</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,064</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="font-size:1pt">
<td style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,646</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,646</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,414</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,415</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,943</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,943</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,489</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,489</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,348</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,021</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,388</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">848</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,074</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">28</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,950</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,339</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,347</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">6,970</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">6,979</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,348</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,966</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58,344</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">848</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55,966</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">40</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">56,854</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr></table><div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes debt investment securities measured at amortized cost of $22,221 (April 30, 2026 – $21,988). </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. </div></td></tr></table><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:71%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Level 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Level 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Level 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Instruments carried at fair value on a recurring basis:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Assets:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Precious metals<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,156</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,156</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Trading assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,486</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,487</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government and government guaranteed debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13,838</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,963</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,801</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,374</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,336</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,710</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agencies’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,132</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,132</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign governments’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,837</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,451</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,288</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,523</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,593</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,116</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">83,412</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">373</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">83,797</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,892</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,892</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 120,116</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 32,094</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 152,223</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Investment securities<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government and government guaranteed debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,143</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,967</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,110</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16,293</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,550</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,843</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agencies’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">42,300</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,736</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">49,036</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign governments’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,099</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,627</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,726</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">116</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,892</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">32</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,040</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">96</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">329</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,046</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,471</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">81,047</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">43,101</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,078</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">126,226</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,804</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,807</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26,411</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26,412</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">816</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,452</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">161</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,429</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">269</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">273</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,594</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,610</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">816</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">45,530</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46,531</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Liabilities:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Deposits<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">335</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">335</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Financial liabilities designated at fair value through profit or loss</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,165</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,165</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Obligations related to securities sold short</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">34,864</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,240</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,104</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="font-size:1pt">
<td style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,181</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,189</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">25,793</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">25,793</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">783</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,288</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">43</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,114</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,897</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,909</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">783</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55,183</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">65</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">56,031</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes debt investment securities measured at amortized cost of $23,722. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. </div></td></tr></table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear:both;max-height:0pt;"></div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">Level 3 instrument fair value changes </div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial instruments categorized as Level 3 as at July 31, 2026, in the fair value hierarchy comprised of loans, corporate bonds, equity securities, derivatives and obligations related to securities sold short. </div></div></div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table summarizes the changes in Level 3 instruments carried at fair value for the three and nine months ended July 31, 2026. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 42%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
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<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
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<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
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<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
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<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="34" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the three months ended July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 42%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value,<br/>beginning of<br/>the quarter</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in OCI</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Purchases/<br/>Issuances</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Sales/<br/>Settlements</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>into<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>out of<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/><br/></div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value,<br/>end of the<br/>quarter</div></div></div></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/> <br/> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/><br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Changes in<br/>unrealized<br/>gains/(losses)<br/>recorded in<br/>income for<br/>instruments<br/>still held<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> <br/> <br/> <br/> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 42%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">17</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">5</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">163</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">158</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Investment securities</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other<br/> debt</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,910</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">16</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">121</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(117</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,931</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">16</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,919</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">142</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(117</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,960</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Derivative financial instruments – assets</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="font-size:1pt">
<td style="height:9pt"></td>
<td colspan="4" style="height: 9pt; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height: 9pt; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height: 9pt; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height:9pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Derivative financial instruments – liabilities</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(28</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr>
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 42%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Obligations related to securities sold short</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 2,088</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 26</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> –</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 161</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> (131</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> –</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 3</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,147</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 26</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Certain unrealized gains and losses on derivative assets and liabilities are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">mark-to-market</div></div> changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities. </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended July 31, 2025. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:47%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="30" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value,<br/> beginning<br/> of the<br/> quarter</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gains/<br/> (losses)<br/> recorded<br/> in income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gains/<br/> (losses)<br/> recorded<br/> in OCI</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Purchases/<br/> Issuances</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Sales/<br/> Settlements</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Transfers<br/> into<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Transfers<br/> out of<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value,<br/> end of the<br/> quarter</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Trading assets</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> <div style="letter-spacing: 0px; top: 0px;display:inline;">179</div></td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> (3)</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">184</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment securities</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,988</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 43</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 49</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> (18</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;">12</div></td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,077</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Derivative financial instruments</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">12</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div> </td> </tr> </table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 45%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
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<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="34" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the nine months ended July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-left-width: 0.75pt; border-bottom-style: solid; border-left-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value,<br/>beginning of<br/>the period</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-left-width: 0.75pt; border-bottom-style: solid; border-left-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in OCI</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Purchases/<br/>Issuances</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Sales/<br/>Settlements</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>into<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>out of<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/><br/></div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value,<br/>end of the<br/>period</div></div></div></td>
<td style="vertical-align: bottom; border-right-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-right-width: 0.75pt; border-bottom-width: 0.75pt; border-right-style: solid; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/> <br/> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/><br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Changes in<br/>unrealized<br/>gains/(losses)<br/>recorded in<br/>income for<br/>instruments<br/>still held<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> <br/> <br/> <br/> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></div> </td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; border-right-color: rgb(0, 0, 0); border-right-width: 0.75pt; border-right-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(15</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">174</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">158</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Investment securities</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">32</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,046</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">111</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">30</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">267</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(523</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,931</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">111</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,078</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">111</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">289</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(545</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,960</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">111</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial<br/>instruments – assets</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">)</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">161</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(70</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(100</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td> </tr>
<tr style="font-size:1pt">
<td style="height:9pt"></td>
<td colspan="4" style="height: 9pt; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height: 9pt; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height: 9pt; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height:9pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments – liabilities</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">)</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(43</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">37</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%; padding: 0px;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">120</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">(76</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">31</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">(60</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">18</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr>
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Obligations related to securities sold short</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">(1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td> </tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="vertical-align: top; width: 48%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 2,211</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 100</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 24</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 474</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> (632</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 43</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> (73</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,147</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 115</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Certain unrealized gains and losses on interest rate derivative contracts are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">mark-to-market</div></div> changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Certain unrealized gains and losses on derivative assets and liabilities are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">mark-to-market</div></div> changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities. </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table summarizes the changes in Level 3 instruments carried at fair value for the nine months ended July 31, 2025. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 47%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="30" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the nine months ended July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value,<br/> beginning<br/> of the<br/> period</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gains/<br/> (losses)<br/> recorded<br/> in income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gains/<br/> (losses)<br/> recorded<br/> in OCI</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Purchases/<br/> Issuances</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Sales/<br/> Settlements</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Transfers<br/> into<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Transfers<br/> out of<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value,<br/> end of the<br/> period</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 47%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Trading assets</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 25</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> (18</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 192</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> (22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 184</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 47%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment securities</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,901</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">107</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">62</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">149</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(137</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,077</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 47%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Derivative financial instruments</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(15)</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; padding: 0px;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(15)</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; padding: 0px;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 47%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Obligations related to securities sold short</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
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<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
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<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
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<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
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<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
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<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
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<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
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<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div> </td> </tr> </table> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">Significant transfers </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">Significant transfers can occur between the fair value hierarchy levels when additional or new information regarding valuation inputs and their refinement and observability become available. The Bank recognizes transfers between levels of the fair value hierarchy at the end of the reporting period during which the change has occurred. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following significant transfers made between Level 1 and 2, were based on whether the fair value was determined using quoted market prices from an active market. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">During the three months ended July 31, 2026: </div> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
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<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Trading assets of $5,628 million, investment securities of $6,913 million and obligations related to securities sold short of $1,463 million were transferred out of Level 2 into Level 1. </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Trading assets of $342 million, investment securities of $1,149 million and obligations related to securities sold short of $17 million were transferred out of Level 1 into Level 2. </div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">During the three months ended July 31, 2025: </div></div></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Trading assets of $868 million, investment securities of $1,077 million and obligations related to securities sold short of $517 million were transferred out of Level 2 into Level 1. </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Trading assets of $1,004 million, investment securities of $2,047 million and obligations related to securities sold short of $466 million were transferred out of Level 1 into Level 2. </div> </td> </tr> </table> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="font-family: Arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt; text-indent: 0px; text-align: left;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">There were</div></div> no <div style="letter-spacing: 0px; top: 0px;display:inline;">significant transfers into and out of Level 3 during the three months ended July 31, 2026. During the three months ended July 31, 2025, trading loans of $178 million were transferred out of Level 2 into Level 3. Transfers were a result of the change in the observability of the price used for valuing the loans.</div></div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">During the nine months ended July 31, 2026: </div> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;text-indent: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Trading assets of $2,292 million, investment securities of $5,344 million and obligations related to securities sold short of $796 million were transferred out of Level 2 into Level 1. </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;text-indent: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Trading assets of $632 million, investment securities of $1,838 million and obligations related to securities sold short of $65 million were transferred out of Level 1 into Level 2. </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">During the nine months ended July 31, 2025: </div> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;text-indent: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Trading assets of $337 million, investment securities of $971 million and obligations related to securities sold short of $133 million were transferred out of Level 2 into Level 1. </div> </td> </tr> </table> <div style="font-size: 6pt; margin-top: 0px; margin-bottom: 0px;text-indent: 0px;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:2%;vertical-align:top;text-align:left">•</td>
<td style="width:1%;vertical-align:top"> </td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-family: Arial; font-size: 8pt; text-align: left; line-height: normal;">Trading assets of $974 million, investment securities of $1,488 million and obligations related to securities sold short of $289 million were transferred out of Level 1 into Level 2. </div> </td> </tr> </table> <div style="letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">During the nine months ended July 31, 2026, equity derivatives of $100 <div style="null;text-indent: 0px;display:inline;">million were transferred out of Level 3 into Level 2. During the nine months ended July 31, 2025, trading loans of</div> $178 <div style="display:inline;">million were transferred out of Level 2 into Level 3. Transfers were a result of the change in the observability of the price used for valuing the financial instruments. </div> </div></div></div> <div style="letter-spacing: 0px; top: 0px; background: none;text-indent: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px; background: none; text-decoration: none;display:inline;"> </div></div> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial;text-indent: 0px;">Level 3 sensitivity </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">The Bank applies judgement in determining unobservable inputs used to calculate the fair value of Level 3 instruments. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">Refer to Note 6 of the Bank’s audited consolidated financial statements in the 2025 Annual Report for a description of the significant unobservable inputs for Level 3 instruments and the potential effect that a change in each unobservable input may have on the fair value measurement. There have been no significant changes to the Level 3 sensitivities during the quarter. </div>
<div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table presents the fair value of liabilities designated at fair value through profit or loss and their changes in fair value. </div><div style="font-size: 9pt; margin-top: 0px; margin-bottom: 0px;"> </div><div>
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<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Fair value</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: Arial; text-align: center; line-height: normal;">Change in fair value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: Arial; text-align: center; line-height: normal;">Gains/(Losses)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: Arial; text-align: center; line-height: normal;">Cumulative change in fair value<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: Arial; text-align: center; line-height: normal;">Gains/(Losses)</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">For the three months ended</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="10" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31<br/> 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">April 30<br/> 2026</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">July 31<br/> 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 36%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Liabilities</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 36%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Senior note liabilities<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">43,536</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">517</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">507</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1,633</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;">) </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">4,189</div></div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">3,672</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4,604</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Change in the difference between the contractual maturity amount and the carrying value. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The cumulative change in fair value is measured from the instrument’s date of initial recognition. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income – trading revenues. </div></td></tr></table>
52864000000
48629000000
43536000000
517000000
507000000
-1633000000
4189000000
3672000000
4604000000
<div style="font-family: Arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the changes in fair value attributable to changes in the Bank’s own credit risk for financial liabilities designated at fair value through profit or loss as well as their contractual maturity and carrying amounts. </div></div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:41%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="18" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">Senior note liabilities</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Contractual<br/> maturity<br/> amount</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Carrying value</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Difference<br/> between<br/> contractual<br/> maturity<br/> amount and<br/> carrying<br/> value</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Changes in fair value<br/> for the three<br/> months period<br/> attributable to<br/> changes in own<br/> credit risk<br/> recorded in other<br/> comprehensive<br/> income<br/> Gains/(Losses)</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/> <br/> <br/> <br/> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Cumulative changes<br/> in fair value<br/> attributable to<br/> changes in own<br/> credit risk<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div><br/> Gains/(Losses)</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">As at July 31, 2026</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57,053</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,189</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(171</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,610</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">As at April 30, 2026</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">52,301</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,672</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">413</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1,439</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">As at July 31, 2025</div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 48,140</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 43,536</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 4,604</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (562</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (1,227</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The cumulative change in fair value is measured from the instruments’ date of initial recognition. </div></td></tr></table>
57053000000
52864000000
4189000000
-171000000
-1610000000
52301000000
48629000000
3672000000
413000000
-1439000000
48140000000
43536000000
4604000000
-562000000
-1227000000
<div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table sets out the fair values of financial instruments of the Bank and excludes <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-financial</div> assets, such as property and equipment, investments in associates, precious metals, goodwill and other intangible assets. </div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:40%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total fair<br/>value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total<br/>carrying<br/>value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total fair<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total<br/>carrying<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total fair<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total<br/>carrying<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Cash and deposits with financial institutions</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 62,455</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 62,455</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">79,301</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">79,301</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65,967</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65,967</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Trading assets</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162,526</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162,526</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 157,689</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 157,689</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 152,223</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 152,223</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Securities purchased under resale agreements and securities borrowed</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">273,638</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">273,638</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">253,177</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">253,177</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">203,008</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">203,008</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,531</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,531</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,709</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,709</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,531</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">46,531</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment securities – FVOCI and FVTPL</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">130,461</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">130,461</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">127,818</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">127,818</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">126,226</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">126,226</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment securities – amortized cost</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,537</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,221</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,510</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,988</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,239</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,722</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">769,595</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">770,555</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">754,267</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">757,434</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">769,900</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">771,045</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Customers’ liability under acceptances</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">161</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">161</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">155</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">155</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">177</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">177</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other financial assets</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,730</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,730</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,239</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,239</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">28,128</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">28,128</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Liabilities:</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Deposits</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,003,369</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,006,015</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">979,387</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">981,489</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">965,925</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">966,279</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Financial instruments designated at fair value through <br/>profit or loss</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Acceptances</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">157</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">157</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Obligations related to securities sold short</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,971</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,971</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,064</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,064</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,104</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,104</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58,344</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58,344</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56,854</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56,854</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56,031</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">56,031</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Obligations related to securities sold under repurchase agreements and securities lent</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">226,261</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">226,261</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">238,663</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">238,663</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189,144</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">189,144</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Subordinated debentures</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,923</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,919</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,801</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,766</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,749</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,692</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 40%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other financial liabilities</div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 1%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,883</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57,045</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">53,031</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 3%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">52,913</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">56,500</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; width: 2%;"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">56,529</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 2%;"> </td></tr></table><div style="clear:both;max-height:0pt;"></div></div>
62455000000
62455000000
79301000000
79301000000
65967000000
65967000000
162526000000
162526000000
157689000000
157689000000
152223000000
152223000000
273638000000
273638000000
253177000000
253177000000
203008000000
203008000000
50531000000
50531000000
46709000000
46709000000
46531000000
46531000000
130461000000
130461000000
127818000000
127818000000
126226000000
126226000000
21537000000
22221000000
21510000000
21988000000
23239000000
23722000000
769595000000
770555000000
754267000000
757434000000
769900000000
771045000000
161000000
161000000
155000000
155000000
177000000
177000000
28730000000
28730000000
27239000000
27239000000
28128000000
28128000000
1003369000000
1006015000000
979387000000
981489000000
965925000000
966279000000
52864000000
52864000000
48629000000
48629000000
47165000000
47165000000
162000000
162000000
157000000
157000000
178000000
178000000
39971000000
39971000000
38064000000
38064000000
38104000000
38104000000
58344000000
58344000000
56854000000
56854000000
56031000000
56031000000
226261000000
226261000000
238663000000
238663000000
189144000000
189144000000
6923000000
6919000000
5801000000
5766000000
7749000000
7692000000
56883000000
57045000000
53031000000
52913000000
56500000000
56529000000
<div style="margin-top:0pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Arial">The following table outlines the fair value hierarchy and instruments carried at fair value on a recurring basis. </div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-collapse: collapse; font-family: Arial; font-size: 8pt; width: 783.359px; border-spacing: 0px; margin-left: auto;">
<tr>
<td style="width: 329px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 7.82812px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="30" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">July 31, 2026</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2026</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 1</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 2</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 3</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Level 1</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Level 2</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Level 3</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total</div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Instruments carried at fair value on a recurring basis:</div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="vertical-align: top;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Precious metals<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,908</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,908</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,200</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,200</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Trading assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,300</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,450</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,391</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,537</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government and government guaranteed debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,781</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,465</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19,246</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,886</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,901</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,787</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,846</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,043</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,889</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,498</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,308</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12,806</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agencies’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,658</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,664</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,107</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,107</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign governments’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,112</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,578</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,690</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">713</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,219</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,932</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,439</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,701</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,140</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,352</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,216</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,568</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">87,881</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">149</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">88,038</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">82,338</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">150</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">82,505</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,409</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,409</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,447</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,447</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 132,717</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 29,651</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">158</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162,526</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 121,894</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 35,632</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">163</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 157,689</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Investment securities<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government and government guaranteed debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,224</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,567</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,791</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">14,170</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,273</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,443</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19,235</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,860</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,095</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,815</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,993</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agencies’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,020</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,856</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,876</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">41,153</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,937</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,090</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign governments’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,876</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,391</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,267</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,445</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,268</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,713</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">904</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,127</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,060</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">192</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,053</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,254</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">177</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">263</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,931</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,371</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">80</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">335</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,910</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,325</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">89,436</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,064</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,960</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 130,460</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">79,855</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46,044</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 1,919</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">127,818</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,146</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,146</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,456</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,040</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,041</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,996</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,997</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">772</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,135</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,932</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">596</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,181</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,806</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">195</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">217</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">169</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">178</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,183</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,195</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">8,265</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">8,272</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">772</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49,699</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,531</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">596</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46,067</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46,709</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Liabilities:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Deposits<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">464</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">464</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">448</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">448</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Financial liabilities designated at fair value through profit or loss</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,864</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">48,629</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Obligations related to securities sold short</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37,355</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,615</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,971</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">33,715</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,349</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,064</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="font-size:1pt">
<td style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,646</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,646</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,414</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,415</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,943</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,943</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,489</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21,489</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,348</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,021</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,388</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">848</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,074</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">28</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,950</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,339</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,347</div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">6,970</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">6,979</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; width: 42%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,348</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,966</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58,344</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">848</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55,966</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">40</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">56,854</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; width: 1%;"> </td></tr></table><div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes debt investment securities measured at amortized cost of $22,221 (April 30, 2026 – $21,988). </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. </div></td></tr></table><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:71%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="14" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center">As at October 31, 2025</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Level 1</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Level 2</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Level 3</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Instruments carried at fair value on a recurring basis:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Assets:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Precious metals<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,156</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5,156</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Trading assets</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,486</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,487</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government and government guaranteed debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13,838</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,963</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,801</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,374</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,336</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11,710</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agencies’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,132</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,132</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign governments’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,837</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8,451</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,288</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,523</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,593</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,116</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">83,412</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">373</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">83,797</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,892</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,892</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 120,116</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 32,094</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 152,223</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Investment securities<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian federal government and government guaranteed debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">15,143</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,967</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">23,110</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Canadian provincial and municipal debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16,293</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4,550</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,843</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">U.S. treasury and other U.S. agencies’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">42,300</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,736</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">49,036</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Other foreign governments’ debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,099</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20,627</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27,726</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">116</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,892</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">32</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,040</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">96</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">329</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,046</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,471</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">81,047</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">43,101</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,078</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">126,226</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,804</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,807</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26,411</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26,412</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">816</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">6,452</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">161</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7,429</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">269</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">273</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,594</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,610</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">816</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">45,530</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">185</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">46,531</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Liabilities:</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Deposits<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">335</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">335</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Financial liabilities designated at fair value through profit or loss</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,165</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">47,165</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Obligations related to securities sold short</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">34,864</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3,240</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">38,104</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="font-size:1pt">
<td style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td>
<td colspan="4" style="height:3.75pt"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments</div></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,181</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">8</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">17,189</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">25,793</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">25,793</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">783</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9,288</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">43</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10,114</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,897</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,909</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">783</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">55,183</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">65</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">56,031</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Excludes debt investment securities measured at amortized cost of $23,722. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. </div></td></tr></table>
5908000000
5908000000
10200000000
10200000000
6300000000
150000000
6450000000
6391000000
146000000
6537000000
16781000000
2465000000
19246000000
15886000000
4901000000
20787000000
9846000000
3043000000
12889000000
9498000000
3308000000
12806000000
9658000000
6000000
9664000000
10107000000
10107000000
1112000000
10578000000
11690000000
713000000
11219000000
11932000000
7439000000
5701000000
13140000000
3352000000
8216000000
11568000000
87881000000
149000000
8000000
88038000000
82338000000
150000000
17000000
82505000000
1409000000
1409000000
1447000000
1447000000
132717000000
29651000000
158000000
162526000000
121894000000
35632000000
163000000
157689000000
17224000000
7567000000
24791000000
14170000000
9273000000
23443000000
19235000000
4860000000
24095000000
17815000000
6178000000
23993000000
41020000000
6856000000
47876000000
41153000000
5937000000
47090000000
10876000000
17391000000
28267000000
6445000000
21268000000
27713000000
904000000
2127000000
29000000
3060000000
192000000
3053000000
9000000
3254000000
177000000
263000000
1931000000
2371000000
80000000
335000000
1910000000
2325000000
89436000000
39064000000
1960000000
130460000000
79855000000
46044000000
1919000000
127818000000
10146000000
10146000000
9456000000
9456000000
25040000000
1000000
25041000000
21996000000
1000000
21997000000
772000000
8135000000
25000000
8932000000
596000000
6181000000
29000000
6806000000
195000000
22000000
217000000
169000000
9000000
178000000
6183000000
12000000
6195000000
8265000000
7000000
8272000000
772000000
49699000000
60000000
50531000000
596000000
46067000000
46000000
46709000000
464000000
464000000
448000000
448000000
52864000000
52864000000
48629000000
48629000000
37355000000
2615000000
1000000
39971000000
33715000000
4349000000
38064000000
17646000000
17646000000
17414000000
1000000
17415000000
23943000000
23943000000
21489000000
21489000000
1348000000
10021000000
19000000
11388000000
848000000
10074000000
28000000
10950000000
17000000
3000000
20000000
19000000
2000000
21000000
5339000000
8000000
5347000000
6970000000
9000000
6979000000
1348000000
56966000000
30000000
58344000000
848000000
55966000000
40000000
56854000000
22221000000
21988000000
5156000000
5156000000
8486000000
1000000
8487000000
13838000000
1963000000
15801000000
8374000000
3336000000
11710000000
9132000000
9132000000
1837000000
8451000000
10288000000
3523000000
6593000000
10116000000
83412000000
373000000
12000000
83797000000
2892000000
2892000000
120116000000
32094000000
13000000
152223000000
15143000000
7967000000
23110000000
16293000000
4550000000
20843000000
42300000000
6736000000
49036000000
7099000000
20627000000
27726000000
116000000
2892000000
32000000
3040000000
96000000
329000000
2046000000
2471000000
81047000000
43101000000
2078000000
126226000000
9804000000
3000000
9807000000
26411000000
1000000
26412000000
816000000
6452000000
161000000
7429000000
269000000
4000000
273000000
2594000000
16000000
2610000000
816000000
45530000000
185000000
46531000000
335000000
335000000
47165000000
47165000000
34864000000
3240000000
38104000000
17181000000
8000000
17189000000
25793000000
25793000000
783000000
9288000000
43000000
10114000000
24000000
2000000
26000000
2897000000
12000000
2909000000
783000000
55183000000
65000000
56031000000
23722000000
<div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table summarizes the changes in Level 3 instruments carried at fair value for the three and nine months ended July 31, 2026. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 42%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="34" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the three months ended July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 42%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value,<br/>beginning of<br/>the quarter</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in OCI</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Purchases/<br/>Issuances</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Sales/<br/>Settlements</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>into<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>out of<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/><br/></div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value,<br/>end of the<br/>quarter</div></div></div></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/> <br/> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/><br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Changes in<br/>unrealized<br/>gains/(losses)<br/>recorded in<br/>income for<br/>instruments<br/>still held<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> <br/> <br/> <br/> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 42%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">17</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">5</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">163</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">158</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Investment securities</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other<br/> debt</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,910</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">16</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">121</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(117</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,931</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">16</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,919</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">142</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(117</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,960</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Derivative financial instruments – assets</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">21</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="font-size:1pt">
<td style="height:9pt"></td>
<td colspan="4" style="height: 9pt; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height: 9pt; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height: 9pt; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height:9pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Derivative financial instruments – liabilities</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 2%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(28</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">19</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">) </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 42%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">7</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr>
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 42%;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Obligations related to securities sold short</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 42%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 2,088</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 26</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> –</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 161</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> (131</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> –</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 3</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,147</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> 26</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); width: 1%;"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Certain unrealized gains and losses on derivative assets and liabilities are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">mark-to-market</div></div> changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities. </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended July 31, 2025. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:47%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="30" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value,<br/> beginning<br/> of the<br/> quarter</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gains/<br/> (losses)<br/> recorded<br/> in income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gains/<br/> (losses)<br/> recorded<br/> in OCI</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Purchases/<br/> Issuances</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Sales/<br/> Settlements</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Transfers<br/> into<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Transfers<br/> out of<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value,<br/> end of the<br/> quarter</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Trading assets</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> <div style="letter-spacing: 0px; top: 0px;display:inline;">179</div></td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> (3)</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">184</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment securities</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,988</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 43</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 49</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> (18</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;">12</div></td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,077</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Derivative financial instruments</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(6</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">12</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div> </td> </tr> </table> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="clear:both;max-height:0pt;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: Arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 45%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="34" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the nine months ended July 31, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-left-width: 0.75pt; border-bottom-style: solid; border-left-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value,<br/>beginning of<br/>the period</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-left-width: 0.75pt; border-bottom-style: solid; border-left-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in OCI</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Purchases/<br/>Issuances</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Sales/<br/>Settlements</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>into<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>out of<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/><br/></div></div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value,<br/>end of the<br/>period</div></div></div></td>
<td style="vertical-align: bottom; border-right-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-right-width: 0.75pt; border-bottom-width: 0.75pt; border-right-style: solid; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/> <br/> </div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/><br/><br/><br/><br/><br/></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Changes in<br/>unrealized<br/>gains/(losses)<br/>recorded in<br/>income for<br/>instruments<br/>still held<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> <br/> <br/> <br/> <br/> <br/> <br/> </div></td> </tr>
<tr style="font-family: Arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></div> </td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom; border-right-color: rgb(0, 0, 0); border-right-width: 0.75pt; border-right-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Loans</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(15</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">174</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(13</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">158</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(14</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Investment securities</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Corporate and other debt</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">32</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity securities</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,046</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">111</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">30</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">267</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(523</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,931</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">111</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,078</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">111</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">289</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(545</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,960</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">111</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial<br/>instruments – assets</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">)</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Foreign exchange and gold contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">161</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(70</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(100</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">24</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td> </tr>
<tr style="font-size:1pt">
<td style="height:9pt"></td>
<td colspan="4" style="height: 9pt; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height: 9pt; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height: 9pt; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="4" style="height:9pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; font-weight: bold; line-height: normal;">Derivative financial instruments – liabilities</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align: bottom; width: 1%;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Interest rate contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">5</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">)</div><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Equity contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(43</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">37</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(4)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Credit contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt; width: 48%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Commodity contracts</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">(12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 48%; padding: 0px;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">120</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">4</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">11</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">(76</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">31</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">(60</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-right: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right;">18</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td> </tr>
<tr>
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> <div style="text-indent: -1em; font-family: Arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Obligations related to securities sold short</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">(1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; background-color: rgb(204, 238, 255);"> </td> </tr>
<tr style="break-inside: avoid; font-family: Arial; font-size: 8pt;">
<td style="vertical-align: top; width: 48%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Total</div> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 2,211</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 100</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 24</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 474</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> (632</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 43</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> (73</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">)</td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,147</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> 115</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; border-bottom: 1pt solid rgb(0, 0, 0); background-color: rgba(255, 255, 255, 0);"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(3)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Certain unrealized gains and losses on interest rate derivative contracts are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">mark-to-market</div></div> changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income. </div> </td> </tr> </table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Certain unrealized gains and losses on derivative assets and liabilities are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">mark-to-market</div></div> changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities. </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial">The following table summarizes the changes in Level 3 instruments carried at fair value for the nine months ended July 31, 2025. </div> <div style="font-size: 12pt; margin-top: 0px; margin-bottom: 0px;"> </div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width: 47%;"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align: bottom; width: 1%;"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="30" style="vertical-align: bottom; text-align: center; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the nine months ended July 31, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value,<br/> beginning<br/> of the<br/> period</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; white-space: nowrap; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gains/<br/> (losses)<br/> recorded<br/> in income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Gains/<br/> (losses)<br/> recorded<br/> in OCI</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Purchases/<br/> Issuances</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Sales/<br/> Settlements</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Transfers<br/> into<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Transfers<br/> out of<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="vertical-align: bottom; text-align: right; border-bottom: 0.75pt solid rgb(0, 0, 0);">Fair value,<br/> end of the<br/> period</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 47%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Trading assets</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 25</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 6</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> (18</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 192</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> (22</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 184</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; width: 47%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Investment securities</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,901</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">107</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">62</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">149</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(137</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,077</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; width: 47%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Derivative financial instruments</div> </td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(15)</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%; padding: 0px;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">20</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(15)</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%; padding: 0px;"> </td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; width: 2%;">)</td> </tr>
<tr style="page-break-inside:avoid ; font-family:Arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 47%;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: Arial; line-height: normal;">Obligations related to securities sold short</div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;">)</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial Narrow; font-size:7.5pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7.5pt; font-family: "Arial Narrow"; text-align: left; line-height: normal;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div> </td> </tr> </table>
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0
178000000
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178000000
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Arial; font-size:11.5pt;border-spacing:0;width:100%;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td id="tx93977_18" style="width:4%;vertical-align:top;text-align:left">18.</td>
<td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 11.5pt; font-family: Arial; text-align: left; line-height: normal;">Corporate income taxes </div> </td> </tr> </table> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial;text-indent: 0px;">Tax assessments </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">The Bank received reassessments totaling $2,012 million (April 30, 2026 – $1,808 million) of tax and interest as a result of the Canada Revenue Agency (CRA) denying the tax deductibility of certain Canadian dividends received during the 2011-202<div style="letter-spacing: 0px; top: 0px;display:inline;">1</div> taxation years. The dividends subject to these reassessments are similar to those prospectively addressed by tax rules introduced in 2015 and 2018. The Bank has filed Notices of Appeal with the Tax Court of Canada against the federal reassessment in respect of its 2011 and 2012 taxation <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">years. In addition, a subsidiary of the Bank received reassessments on the same matter in respect of its 2018-2020 taxation years totaling $4 million of tax and interest. </div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">A subsidiary of the Bank received withholding tax assessments </div></div> from the CRA in respect of certain of its securities lending transactions for its 2014-2019 taxation years totaling $637 million (April 30, 2026 – $637 <div style="letter-spacing: 0px; top: 0px;display:inline;">million) of tax, penalties and interest. The subsidiary has filed a Notice of Appeal with the Tax Court of Canada against the federal assessment in respect of its 2014-2019 taxation years. </div> </div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">In respect of both matters, the Bank is confident that its tax filing position was appropriate and in accordance with the relevant provisions of the Income Tax Act (Canada) and intends to vigorously defend its position. </div></div></div>
2012000000
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<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: Arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside:avoid">
<td id="tx93977_19" style="width:4%;vertical-align:top;text-align:left">19.</td>
<td style="vertical-align:top;text-align:left"> <div style=" margin-top:0pt ; margin-bottom:0pt; font-size:11.5pt; font-family:Arial;text-align:left">Acquisitions and divestitures </div> </td> </tr> </table> <div style="clear:both;max-height:0pt;text-indent: 0px;"></div> <div style="font-family: Arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Acquisitions </div></div></div> <div style="font-family: Arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Acquisition announced in the current period</div></div> </div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Scotia Group Jamaica Limited </div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">On June 12, 2026, the Bank announced a proposal to acquire all outstanding shares of Scotia Group Jamaica Limited (“SGJL”) held by non-controlling interest shareholders for <div style="display:inline;">total </div>cash consideration of approximately $500 <div style="display:inline;">million. Upon completion, SGJL will become a wholly-owned subsidiary of the Bank. The transaction is being effected through a court-approved scheme of arrangement under Jamaican law and remains subject to minority interest shareholder approval, court approval and other customary closing conditions. </div> </div></div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="null;text-indent: 0px;display:inline;">As the Bank already controls and consolidates SGJL, the acquisition of the remaining shares held by non-controlling interest shareholders will be accounted for as an equity transaction. Accordingly, the transaction is not expected to result in a gain or loss in the consolidated statement of income, a change in the carrying values of the subsidiary’s assets and liabilities or the Bank’s associated goodwill. The Bank’s CET1 capital ratio is expected to decrease by approximately</div> six <div style="display:inline;">basis points at closing. </div> </div></div></div> <div style="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Arial">Divestitures </div> <div style="font-family: Arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Closed divestitures impacting the current fiscal year</div></div> </div></div> <div style="font-family: Arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: Arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Sale of banking operations in Colombia, Costa Rica and Panama </div></div></div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for a 20.3% ownership stake in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-voting</div> preferred shares. Following this date, the Bank designated two individuals to serve on Davivienda Group S.A.’s Board of Directors. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">Upon closing, the Bank derecognized total assets of $24 billion and total liabilities of $22 billion consisting primarily of loans and deposits. The Bank recognized an additional loss of $11 million in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expense and $423 million in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income (collectively $377 million <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">after-tax).</div> The loss primarily represents the release of cumulative foreign currency translation losses, inclusive of hedges, and was recorded in the Other segment. As of October 31, 2025, the Bank recognized an impairment loss of $1,342 million <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">after-tax.</div> Following the closing, the Bank recognized the investment in Davivienda Group S.A. as an investment in associate at a fair value of $1,370 million as the Bank has significant influence, given its board representation and ownership interest and it is accounted for under the equity method. </div> <div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:Arial;text-indent: 0px;">The closing of the transaction increased the Bank’s CET1 capital ratio by approximately 15 basis points. </div>
500000000
0.0006
0.203
0.1499
24000000000
22000000000
11000000
423000000
377000000
1342000000
1370000000
0.0015
Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2.
Excludes debt investment securities measured at amortized cost of $23,722.
Includes Share from associates, Employee benefits, Own credit risk, and Insurance contracts.
Includes undistributed retained earnings of $80 (July 31, 2025 – $75) related to a foreign associated corporation, which is subject to local regulatory restriction.
Represents amounts on account of share-based payments (refer to Note 12).
The majority of foreign term deposits are in excess of $100,000.
Interest income recognized on impaired loans during the three months ended July 31, 2026 was $78 (April 30, 2026 – $29; October 31, 2025 – $23).
Loans up to 30 days past due are not presented in this analysis as they are not administratively considered past due.
All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due.
Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category.
Includes impact of divested operations.
Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments.
On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for 20.3% ownership interest in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in non-voting preferred shares. There is no quoted market price for the common shares. Following the closing, the investment was recognized at a fair value of $1,370 million as the Bank has significant influence over Davivienda Group S.A. given its board representation and ownership interest. Refer to Note 19 for further details.
Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $613 (April 30, 2026 – $591; October 31, 2025 – $617). The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation.
The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of July 31, 2026, these reserves amounted to $80 (April 30, 2026 - $77; October 31, 2025 – $76).
Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts.
Deposits denominated in U.S. dollars amount to $329,956 (April 30, 2026 – $317,453 ; October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $21,091 (April 30, 2026 – $20,300; October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $38,592 (April 30, 2026 – $36,731; October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $110,620 (April 30, 2026 – $109,608; October 31, 2025 – $117,530).
Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts.
All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.
Stage 3 includes purchased or originated credit-impaired loans.
Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.
Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.
Excludes allowance for credit losses of $189 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
Excludes allowance for credit losses of $222 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.
Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.
Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details.
Includes income from associated corporations for Canadian Banking – $(2), International Banking – $65, and Other – $159.
Includes income from associated corporations for Canadian Banking – $(3), International Banking – $65, GBM – $1, and Other – $159.
Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $20, International Banking – $112, and Other – $297.
Card revenues and Banking services fees are mainly earned in Canadian Banking and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.
Includes income from associated corporations for Canadian Banking – $(14), International Banking – $178, GBM – $1, and Other – $468.
Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details.
Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note.
Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually.
Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive.
The interest income/expense on financial assets/liabilities are calculated using the effective interest method.
Includes dividend income on equity securities.
Earnings per share calculations are based on full dollar and share amounts.
The Q3 2026 and Q2 2026 regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2025). The Q4 2025 regulatory capital ratios were based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023).
Includes interest on lease liabilities for the three months ended July 31, 2026 – $38 (April 30, 2026 – $39; July 31, 2025 – $30) and for the nine months ended July 31, 2026 – $108 (July 31, 2025 – $93) and insurance finance expense for the three months ended July 31, 2026 – $8 (April 30, 2026 – $8; July 31, 2025 – $8) and for the nine months ended July 31, 2026 – $24 (July 31, 2025 – $25).
Represents cash and non-interest-bearing deposits with financial institutions (refer to Note 5).
The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell.
Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $13,753 for the three months ended July 31, 2026 (April 30, 2026 – $12,848; July 31, 2025 – $13,883) and for the nine months ended July 31, 2026 – $39,726 (July 31, 2025 – $42,403).
Net of allowances of $3 (April 30, 2026 – $3; October 31, 2025 – $4).
Excludes debt investment securities measured at amortized cost of $0 (April 30, 2026 – $21,988).
These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost.
Excludes amounts associated with other assets and reversal of impairment losses of $(14). The provision for credit losses, net of these amounts, is $3,601.
Excludes amounts associated with other assets of $6. The provision for credit losses, net of these amounts, is $3,472.
The cumulative change in fair value is measured from the instruments’ date of initial recognition.
Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(2), International Banking – $39, and Other – $120.
Based on the quoted price on the New York Stock Exchange, the market value of the Bank’s Investment in KeyCorp was $4,987 (April 30, 2026 – $4,793; October 31, 2025 – $4,018). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. During the period, dividends received from KeyCorp of $45 were recognized as a reduction in the carrying value of the investment in associate.
Represents principal amount owed net of write-offs.
The leverage ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023).
Represents the date of the most recent financial statements.
Balances are net of allowances, which are $1 (April 30, 2026 – $2; October 31, 2025 – $1).
These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income.
Certain unrealized gains and losses on derivative assets and liabilities are largely offset by mark-to-market changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities.
Certain unrealized gains and losses on interest rate derivative contracts are largely offset by mark-to-market changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income.
Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in non-interest income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in non-interest income – trading revenues.
Change in the difference between the contractual maturity amount and the carrying value.
The cumulative change in fair value is measured from the instrument’s date of initial recognition.
Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
Includes benefit related to certain post-retirement plan amendments.
This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018).