Seeing Beyond Numbers

Build One Winning Team Make Size Our Advantage Think Customer First Our Financial Roadmap | Key financial drivers Simplify Make the Better Choice FY2022 Medium-Term Low single digit Mid single digit Loan Growth Deposit Growth Loan Portfolio Mix Net Interest Margin¹ PCL (bps)1 Low single digit Commercial >42% >1.85% Mid teens Mid single digit Commercial >45% >1.90% High teens 1 This is a supplementary financial measure. For more information, refer to the non-GAAP financial and other measures section beginning on page 28 of the 2021 Annual Report, including the MD&A for the fiscal year ended October 31, 2021, which page is incorporated by reference herein. Seeing Beyond Numbers 27

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