Investor Presentaiton

Fiscal 2021 Financial Performance $MM, except EPS 2021 Y/Y HIGHLIGHTS Reported Net Income $9,955 45% • Pre-Tax, Pre-Provision Profit¹ $14,634 Diluted EPS Revenue $7.70 $31,252 1% 45% Adjusted EPS up 47%, driven by lower PCLs and strong expense management • Expenses $16,618 Productivity Ratio² 53.2% (1%) (60 bps) Net Interest Margin³ 2.23% PCL Ratio² 29 bps (4 bps) (69 bps) Adjusted pre-tax, pre-provision profit up 2% Adjusted revenue was flat o FX translation impacted revenue growth by -3% o Net interest income down 2% 。 Non-interest income up 3% PCL Ratio on Impaired Loans² 53 bps (3 bps) • Adjusted³ Net interest margin down 4 bps Net Income $10,169 46% Pre-Tax, Pre-Provision Profit $14,925 2% • o Driven by business mix and 2020 rate cuts Adjusted operating leverage³ of positive 1.5% Diluted EPS $7.87 47% Revenue $31,252 • Strong adjusted ROE³ of 15.0% Expenses $16,327 52.2% (1%) (80 bps) PCL Ratio 29 bps (66 bps) Productivity Ratio ADJUSTED NET INCOME YEAR-OVER-YEAR ($MM) ADJUSTED NET INCOME4 BY BUSINESS SEGMENT ($MM) 4,121 187 > +60% 2020 2021 (1,213) 472 (359) 6,961 +2% 10,169 +23% +83%5 4,171 - 2,604 1,297 1,592 2,034 2,075 1,855 1,148 PCLS Non-interest expenses Taxes 2021 4 Attributable to equity holders of the Bank 5Y/Y growth rate is on a constant dollars basis 2020 Net interest income Non-interest income 1 Pre-Tax, Pre-Provision Profit defined as revenues less expenses 2 Refer to page 141 of the Management's Discussion & Analysis in the Bank's 2021 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 3 Refer to non-GAAP measures on page 17 of the Management's Discussion & Analysis in the Bank's 2021 Annual Report, available on http://www.sedar.com Canadian Banking Global Wealth Management Global Banking and Markets International Banking 5

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