Investor Presentation

PERSONAL DEPOSITS1 (AVERAGE BALANCES, $Bn) Deposit Overview Continued growth in non-personal deposits partly offset by slowing of personal $248 $241 $244 $244 $247 $245 $244 $226 $221 $222 $237 $225 $221 3Y CAGR 3.9% Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 NON-PERSONAL DEPOSITS1 (AVERAGE BALANCES, $Bn) $296 $278 $253 $327 $266 $280 $331 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 $350 $354 $363 $338 $351 $360 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 3Y CAGR 12.8% 1 Calculated as the sum of the average balances of the four business-line personal and non-personal deposits. Q2/22 • PERSONAL DEPOSITS Important for both relationship purposes and regulatory value Initiatives are in place to drive deposit growth and retention • NON-PERSONAL DEPOSITS Leveraging relationships to grow deposits with favourable regulatory value Strong Q/Q growth in Global Banking and Markets deposits 51

View entire presentation