Liquidity, Funding, and Residential Mortgage Portfolio

Tier 1A Capital and Leverage Ratios Desjardins LEVERAGE RATIO BMO 4.8% RBC 4.8% BNS 4.7% Desjardins TIER 1A CAPITAL RATIO (CET1) 8.7% Desjardins TD 13.6% RBC 12.5% BMO 12.4% CIBC 4.7% CIBC 12.3% TD 4.5% NBC 4.3% Canadian Banks (average) 4.6% Sources: Canadian Banks and Desjardins Group's Financial Reports BNS 12.2% NBC 11.7% Canadian Banks (average) 12.5% Total Loss Absorbing Capacity (TLAC) TLAC Ratio TLAC Leverage Ratio 25.5% 10.0% 22.1% CAPITAL AND BAIL-IN 23

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