Financial Performance and Digital Progress Update

Loans by Business Line in $Bn CANADIAN BANKING 1 INTERNATIONAL BANKING 1 in $Bn $Bn and Constant Dollar Basis² 0% 442 447 444 81 72 222 88 90 7 8 8 74 14 74 +2% 176 175 172 96 94 95 GLOBAL BANKING AND MARKETS 1 +0% 123 126 123 8 282 277 271 20 20 20 22 9 20 48 51 52 52 Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 Growth (%) Y/Y 12% 3% 0% 12% 5% 2% 31% 13% 0% Q/Q 2% 0% (1%) 2% 0% (1%) 10% (5%) (2%) Mortgages Personal loans Credit cards Business Loans and Acceptances 1 All percentage changes are Y/Y; Average balances; May not add due to rounding 2 See non-GAAP reconciliations beginning on slide 43 27 27

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