Investor Presentaiton

Credit Quality GILS ($MM) AND GIL RATIO¹ 78 bps 81 bps 81 bps 84 bps 81 bps 73 bps 67 bps 64 bps 5,120 31 5,148 26 5,053 26 5,279 39 5,116 33 -224 285 -209| -302 -286 4,735 28 -235 1,067 1,222 1,209 1,049 1,040 921 941 4,456 26 4,435 32 - 219 -231 904 HIGHLIGHTS GIL ratio improved 3 bps Q/Q and remains below pre- pandemic levels due to: О Lower impairments across portfolios Retail write-offs in International Banking Positive FX impact 3,582 3,704 3,676 3,949 о 3,757 3,551 3,270 3,268 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 NET WRITE-OFFS ($MM) AND NET WRITE-OFFS RATIO¹ HIGHLIGHTS Net write-offs declined 32% Y/Y and 18% Q/Q 76 bps 62 bps 47 bps 47 bps 41 bps 43 bps 1,141 34 bps • 27 bps Significant reduction in International Banking 13 219 983 1 8 173 • Net write-offs ratio declined 7 bps Q/Q and remains below pre-pandemic levels 732 750 -13 33 674 632 -25 265 266 -26 201 227 560 1 123 1 457 910 4 801 139 454 450 379 448 435 311 (1) Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 International Banking Canadian Banking Global Banking and Markets Global Wealth Management 1 Refer to page 48 of the Management's Discussion & Analysis in the Bank's First Quarter 2022 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 43

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