Financial Markets Summary Q4 2022

Q4 2022 SOLID ORGANIC GROWTH IN ALL SEGMENTS - P&C Banking Revenues: PTPP(1): ■ Revenues up 15% YoY on solid balance sheet growth and margin expansion ■ NIM up 20 bps YoY and 8 bps QoQ +15% YoY +24% YoY ■ Personal: Mortgage loans up 7% YoY (2) and 1% QoQ(2) ■ Commercial: Continued growth on both sides of the balance sheet Wealth Management Revenues: +9% YoY PTPP(1): +23% YoY ■ PTPP up 23% YoY on strong business performance and diversified revenue mix ■ NII up 64% YoY driven by a favourable rate environment and a strong deposit base ■ FY 2022 double-digit net income growth of 12% Financial Markets Revenues(3) +14% YoY PTPP(1)(3): +10% YoY ■ Solid performance capping off a record year, with FY 2022 revenues close to $2.5B ■ C&IB: Revenues up 13% YoY driven by M&A and lending activity ■ Global Markets: Resilient performance across the franchise with revenues up 14% YoY USS F&I Revenues: PTPP(1): ■ ABA: Continued growth with net income up 19% YoY +10% YoY +7% YoY " Credigy: Assets growth momentum picking up; strong underlying portfolio performance; unfavourable MtM on assets at fair value (1) Pre-Tax Pre-Provision earnings (PTPP) refers to Income before provisions for credit losses and income taxes. (2) Represents growth in Q4 2022 average loans. (3) On a taxable equivalent basis (TEB). See slide 2. 6

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