Investor Presentaiton

Q1 2022 Financial Performance $MM, except EPS Q1/22 Y/Y Q/Q Reported Net Income $2,740 14% 7% Pre-Tax, Pre-Provision Profit¹ $3,826 (1%) 12% • Diluted EPS $2.14 15% 9% Revenue $8,049 5% · Expenses $4,223 (1%) Productivity Ratio² 52.5% 40 bps (310 bps) Net Interest Margin³ 2.16% (11 bps) (1 bp) PCL Ratio² 13 bps (36 bps) 3 bps PCL Ratio on Impaired Loans² 24 bps (25 bps) (7 bps) Adjusted³ Net Income $2,758 14% 2% Pre-Tax, Pre-Provision Profit $3,851 (1%) 6% Diluted EPS $2.15 14% 2% Expenses $4,198 3% Productivity Ratio 52.2% 40 bps (60 bps) REPORTED NET INCOME YEAR-OVER-YEAR ($MM) . HIGHLIGHTS EPS up a strong 14% Y/Y Reported pre-tax, pre-provision profit up 12% Q/Q (adjusted up 6%) Revenue flat Y/Y (up 5% Q/Q) o FX translation reduced revenue growth by 3% o Net interest income flat Y/Y. FX translation reduced growth by 3% o Non-interest income flat Y/Y. FX translation reduced growth by 2% Net interest margin down 11 bps Y/Y (down 1 bp Q/Q) Expenses flat Y/Y o FX translation reduced expense growth by 2% Strong reported ROE of 15.8% (adjusted ROE³ of 15.9%) REPORTED NET INCOME4 BY BUSINESS SEGMENT ($MM) +32% Q1/21 Q1/22 542 (15) (162) (7) (16) +51%5 -1% +3% 2,740 2,398 1,201 911 418 412 543 561 389 545 Q1/21 Net interest Non-interest Income income PCLs Non-interest Taxes expenses Q1/22 Canadian Banking Global Wealth Management Global Banking and Markets International 1 Pre-Tax, Pre-Provision Profit defined as revenues less expenses Banking 2 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 3 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's First Quarter 2022 Report to Shareholders, available on http://www.sedar.com 4 Attributable to equity holders of the Bank 6Y/Y growth rate is on a constant dollar basis 10

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