Investor Presentation

Canadian Residential Secured Lending Portfolio Overview Total Canadian residential-secured lending portfolio at $198.7B, representing 30% of total loans LTV1 on uninsured of 51% 90-day delinquency rate for RESL remains good at 17 bps; loss rates for the trailing 4 quarter period were less than 1 bp Residential-Secured Lending by Region ($198.7B) $96.2 19% $38.9 Amortizing HELOC ■Revolving HELOC Uninsured Mortgages 19% - 3% of uninsured RESL balances are to borrowers with <680 FICO and >70% LTV $31.1 6% ■Insured Mortgages 7% 24% Residential mortgage portfolio of $150.0B 29% of portfolio insured LTV1 on uninsured of 56% 5% $20.2 60% 9% 7% 62% 42% - 56% of the mortgage portfolio has an effective remaining amortization of 25 years or less 37% $7.8 $4.5 7% • HELOC portfolio of $48.7B outstanding of which 73% is amortizing 6% 10% 45% 29% 47% 6% 15% . Condo RESL portfolio is $28.4B with 22% insured 12% 35% 42% 49% • Owner-occupied represents 86% of total RESL portfolio Atlantic Quebec Ontario Alberta British Canada Columbia Other $13.1 6% Avg. LTV¹ Uninsured Atlantic Quebec Ontario Alberta British Canada Total Columbia Other Canada $35.6 Mortgage 18% $107.1 $198.7B - Portfolio 55% 56% 57% 57% 52% 55% 56% 54% - Origination 70% 70% 70% 72% 67% 72% 70% $42.9 22% HELOC - Portfolio 46% 50% 46% 49% 44% 46% 46% - Origination 56% 65% 57% 61% 57% 65% 59% ■HELOC Revolving Insured Mortgages HELOC Amortizing ■Uninsured Mortgages BMOM 1 Loan to value (LTV) is the ratio of the exposure, loan balance for mortgages and authorized amount for HELOCS, to the value of the property. Property values are indexed using Teranet HPI data. Averages are weighted by exposure Investor Presentation ⚫ February 2024 35

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