Investor Presentation

Q2 2022 Financial Performance $MM, except EPS Q2/22 Y/Y Q/Q Reported Net Income $2,747 12% Pre-Tax, Pre-Provision Profit¹ $3,783 2% (1%) • Diluted EPS $2.16 15% 1% Revenue $7,942 3% (1%) Expenses $4,159 3% (2%) Productivity Ratio² 52.4% 20 bps (10 bps) Net Interest Margin³ 2.23% (3 bps) 7 bps PCL Ratio² 13 bps (20 bps) PCL Ratio on Impaired Loans² 24 bps (56 bps) Adjusted³ Net Income $2,765 12% Pre-Tax, Pre-Provision Profit $3,807 2% (1%) Diluted EPS $2.18 15% 1% Expenses $4,135 3% Productivity Ratio 52.1% 20 bps (2%) (10 bps) • REPORTED NET INCOME YEAR-OVER-YEAR ($MM) YEAR-OVER-YEAR HIGHLIGHTS EPS up a strong 15% Pre-tax, pre-provision profit up 2% Revenue up 3% o Net interest income up 7%, driven by strong 13% loan growth o Non-interest income down 3% o Lower investment gains, trading revenues and underwriting and advisory fees o Banking and wealth management revenues increased 7% NIM up 7 bps Q/Q Expenses up 3% (down 2% Q/Q) Strong reported ROE of 16.2% (adjusted ROE³ of 16.4%) REPORTED NET INCOME4 BY BUSINESS SEGMENT ($MM) 277 Q2/21 Q2/22 297 +27% (91) (117) (75) +9% -6% +50% 2,747 2,456 1,179 927 372 407 517 488 403 605 Q2/21 Net interest Non-interest Income income PCLS Non-interest expenses Taxes Q2/22 Canadian Banking Global Wealth Management Global Banking and Markets International Banking (Constant FX) 3 1 Pre-Tax, Pre-Provision Profit defined as revenues less expenses 2 Refer to page 51 of the Management's Discussion & Analysis in the Bank's Second Quarter 2022 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 3 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Second Quarter 2022 Report to Shareholders, available on http://www.sedar.com 4 Attributable to equity holders of the Bank 10

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