Fiscal 2023 Financial Performance

Strong Deposit Growth REPORTED AVERAGE DEPOSITS BY SEGMENTS in $Bn 682 666 CB IB ■GBM ■GWM 699 685 624 591 538 340 337 344 353 308 294 261 Q4/23 REPORTED AVERAGE DEPOSIT MIX Notice²- Business 7% Term³- Business 22% Demand- Personal 2% $699 Bn 126 126 129 132 107 104 111 Demand'- Business 30% Notice² Personal 21% 156 170 182 182 179 182 134 32 37 39 34 34 33 32 2020 2021 2022 2023 Term- Personal 18% in $Bn CANADIAN BANKING Q2/23 Q3/23 Q4/23 REPORTED AVERAGE DEPOSITS BY BUSINESS LINE INTERNATIONAL BANKING4 GLOBAL BANKING AND MARKETS¹ Y/Y +10% Y/Y +17% 320 344 353 129 132 113 116 122 127 87 75 06 204 222 226 38 42 42 Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 Y/Y +2% GLOBAL WEALTH MANAGEMENT Y/Y (11%) 37 33 32 90 179 179 182 17 16 15 20 17 17 Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 Personal Non-Personal IB (Constant Dollar Basis) 5: +9% Y/Y 1 Deposits demand include all deposits for which we do not have the right to notice of withdrawal, generally chequing accounts 2 Deposits payable after notice include all deposits for which we require notice of withdrawal, generally savings accounts 3 All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments 4 Includes deposits from banks 5 See non-GAAP reconciliations beginning on slide 43 29

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