Investor Presentaiton

Loan Growth by Business Line Canadian Banking +13% International Banking (Growth rates are constant FX)1 3%2 395 381 +15% 351 65 151 64 6 -22% 141 138 57 6 8 -4% 80 69 68 78 71 75 78 +9% Global Banking and Markets 10 6 97 -31% 243 255 23 215 18 18 -11% +19% 40 40 38 39 +7% Q1/20 (Pre-Pandemic) Q3/21 Q4/21 Q1/20 (Pre-Pandemic) Q3/21 Q4/21 -3% 91 91 94 Q1/20 (Pre-Pandemic) Q3/21 Q4/21 Strong loan growth driven by residential mortgages and business lending, while growth gradually resuming in personal loans and credit cards Residential mortgages Personal loans Credit cards Business Loans up 3% vs. pre-pandemic levels at constant dollars, with commercial balances up 9% and residential mortgages balances up 7%, partially offset by lower personal and credit card loans Decline vs. pre-pandemic levels due to liquidity in public debt markets as well as the impact of foreign currency translation Growth rates are on a constant dollar basis. 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 2 Excluding the impact of divestitures and on a constant dollar basis, Loans increased 7% vs. pre-pandemic 30

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