Investor Presentaiton

All-Bank NIM¹ Calculation All-Bank ($ millions) Average total assets² Less: Non-earning assets Average total earning assets² Q1/22 Q4/22 Q1/23 1,238,616 1,332,897 1,380,008 94,165 126,213 118,465 1,144,451 1,206,684 1,261,543 Less: Trading Assets 162,885 117,807 119,974 Securities purchased under resale agreements and securities borrowed 131,102 157,438 174,942 Other deductions 58,030 69,343 70,779 Average core earning assets² 792,434 862,096 895,848 Net Interest Income 4,344 4,622 4,569 Less: Non-core net interest income 23 (122) (205) Net interest income on core earning assets 4,321 4,744 4,774 Net interest margin 2.16% 2.18% 2.11% 1 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com 2 Average balances represents the average of daily balance for the period 21 21

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