Liquidity, Funding, and Residential Mortgage Portfolio

Loan Portfolio GROSS IMPAIRED LOANS RATIO Desjardins 1.35% 1.43% 1.44% 1.38% LOAN BOOK AND ACCEPTANCES 1.08% 1.05% 1.10% 0.94% 0.84% 0.75% 0.63% 0.64% 0.62% 0.56% 0.57% 0.26% 0.26% 0.27% 0.27% 0.23% 24% Business and government 12% Consumer, credit cards and other loans Total of $216B 64% Q1 2020 Q2 2020 Residential mortgages Business and government Q3 2020 Q4 2020 Q1 2021 Cons., credit cards and other loans Total loan portofolio GROSS IMPAIRED LOANS AND NEW FORMATIONS 1,307 1,340 1,323 1,236 1,167 Residential 634 mortgages 483 440 Q1 2020 Q2 2020 New formations ($M) Q3 2020 851 608 Q4 2020 Q1 2021 Gross impaired loans (M$) BALANCE SHEET QUALITY 11

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