Investor Presentation

Automotive Finance • Canada's leader in automotive finance Provide personal and commercial dealer financing solutions, in partnership with nine leading global automotive manufacturers in Canada Portfolio decreased 0.3% year-over-year¹. Personal up 2.5%, Commercial down 25.3% Commercial 11% Near-Prime Retail 7% AVERAGE ASSET MIX $43.6Bn1,2,3 100% Secured 83% Prime Retail Exclusive Relationships MAZDA VOLVO POLESTAR RIVIAN JAGUAR/LAND ROVER Semi-Exclusive Relationships* HYUNDAI CHRYSLER GENERAL MOTORS TESLA * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share Asset Growth Prime Retail Market Share4 Near-Prime Retail Market Share 5 Commercial Floorplan Market Share6 $43.5Bn $44.4Bn $42.3Bn $43.2Bn G $39.7Bn 20% 24% $37.1Bn 36% 64% 80% 76% 2016 2017 2018 2019 2020 2021 1 For the three months ended April 30, 2022; 2 May not add due to rounding; 3 Net of allowance for credit losses; 4 CBA data as of January 2022, includes RBC, BMO, TD, Scotiabank, CIBC, National Bank, Laurentian Bank, Canadian Western Bank, HSBC Canada; 5 Dealer Track Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for April 2022 originations; 6 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of September 2021 25 25

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