Seeing Beyond Numbers

Q1 2022 | Financial roadmap On track Behind At Risk Financial Targets Adjusted diluted EPS growth +56% 2021 Actual 2022 Target YTD Results Progress >5% +22%(1) Adjusted ROE 8.3% >8.5% 9.2% Adjusted efficiency ratio 68.2% <68% 67.0% Adjusted operating leverage 5.8% Positive 2.8%(1) Key Financial Drivers Loan Growth Deposit Growth Medium Term 7-10% >10% <65% Positive +1% Low single digit +2% Mid single digit -4% Low single digit +2% Mid single digit Loan Portfolio Mix 42% Comm >42% 44% Net Interest Margin PCL (bps) (1) Q1FY22/Q1FY21 calculation basis Seeing Beyond Numbers 1.85% >1.85% 1.88% 15 bps Mid teens 11 bps >45% >1.90% High teens 32

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