Financial Markets Summary Q4 2022

APPENDIX 3 | TOTAL BANK - Q4 22 RESULTS Total Bank Summary Results - Q4 2022 ($MM, TEB) Adjusted Results (1) Q4 22 Q3 22 Q4 21 QoQ YOY ☐ Revenues 2,429 2,484 2,252 (2%) 8% Adjusted revenues up 8% YoY(1) and adjusted PTPP up 9% YoY(1)(2) Non-Interest Expenses 1,346 1,305 1,259 3% 7% Pre-Tax / Pre-Provisions (2) 1,083 1,179 993 (8%) 9% Positive operating leverage PCL 87 57 (41) Net Income 738 826 776 (11%) (5%) Diluted EPS of $2.08 Diluted EPS $2.08 $2.35 $2.19 (11%) (5%) Operating Leverage (3) Efficiency Ratio (3) 55.4% 52.5% 55.9% +290 bps 1% -50 bps CET1 ratio of 12.7% Return on Equity (3) 15.3% 17.9% 18.9% Reported Results Q4 22 Q3 22 Q4 21 QoQ YOY Revenues 2,334 2,413 2,211 (3%) 6% Non-Interest Expenses 1,346 1,305 1,268 3% 6% Pre-Tax / Pre-Provisions (2) 988 1,108 943 (11%) 5% PCL 87 57 (41) Net Income 738 826 769 (11%) (4%) Diluted EPS $2.08 $2.35 $2.17 (11%) (5%) Return on Equity (3) 15.3% 17.9% 18.7% Key Metrics Q4 22 Q3 22 Q4 21 QoQ YoY Avg Loans & BAs - Total Avg Deposits - Total CET1 Ratio (3) 203,973 197,650 269,034 260,355 246,206 12.7% 12.8% 12.4% 180,631 3% 13% 3% 9% (1) On a taxable equivalent basis, and excluding specified items when applicable, which are non-GAAP financial measures. See slides 2 and 39. (2) Pre-Tax Pre-Provision earnings (PTPP) refers to Income before provisions for credit losses and income taxes. (3) For supplementary financial measures, non-GAAP ratios and capital management measures, see slide 2. 22 | 22

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