Investor Presentaiton

Digital Progress: Canada Digital Adoption (%)¹ +6% 4,071 Active Digital 3,329 3,599 3,847 +400 bps Users (#'000) 22% 59% 55% 50% 46% 2018 2019 Q4/20 Q4/21 +1,300 bps 2018 2019 Q4/20 Q4/21 Active Mobile Users (#'000) 3,073 2,396 2,666 Digital Sales (%) 10% 3,393 42% 2018 2019 Q4/20 Q4/21 +700 bps 26% 26% +100 bps 23% 16% 300 bps Self-Serve Transactions 84% 87% 92% 93% (%) +900 bps 2018 2019 Q4/20 Q4/21 2018 2019 Q4/20 Q4/21 Definitions Digital Sales (% of retail unit sales using Digital platforms, excluding auto, broker originated mortgages and mutual funds) Digital Adoption (% of customers with Digital login (90 days) / Total addressable Customer Base) Digital Users: # of customers who logged into website and/or mobile in the last 90 days Mobile Users: # of customers who logged into mobile in the last 90 days Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR 1 Digital Adoption definition for Canada was updated in Q1/21 to reflect new addressable customer base, excluding indirect-channel acquisitions 224 24

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