Liquidity and Funding

Residential Mortgage Loan Portfolio RESIDENTIAL MORTGAGE PORTFOLIO Desjardins GROWTH IN RESIDENTIAL PORTFOLIO ($B) Heloc (term mortgages) 39% 4% Heloc (lines of credit) Total of $138B 138 136 134 132 128 127 Insured 27% 30% Average LTV of 55.2% Conventional term mortgages Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 GROSS IMPAIRED LOANS 0.27% 0.27% 0.26% 0.26% 0.26% 0.23% 374 366 341 333 326 323 Q4 2019 Q1 2020 Q2 2020 Residential mortgages GIL amount in $M Q3 2020 Q4 2020 Q1 2021 Residential mortgages GIL ratio (%) BALANCE SHEET QUALITY 13

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