Canadian Banking and Residential Mortgages Overview

38.4% Wholesale Funding Utilization Maintaining appropriate reliance on wholesale funding WHOLESALE FUNDING / TOTAL ASSETS 23.9% 23.5% 21.3% WHOLESALE FUNDING UTILIZATION WELL MANAGED • Wholesale funding usage returning to pre- pandemic levels driven by asset growth, partially offset by deposit retention Q1/19 Q2/19 Q3/19 16.9% Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 44.7% Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 26.1% Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 32.8% Q1/22 SUITABLE CONCENTRATION OF MONEY MARKET FUNDING Prudent utilization of short-term funding 52 62

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