Financial Markets Summary Q4 2022

APPENDIX 2 | FY 2022 SEGMENT RESULTS P&C Banking ($MM) Wealth Management ($MM) FY 22 FY 21 YOY FY 22 FY 21 YOY Revenues 4,034 3,615 12% Revenues 2,375 2,166 10% Personal 2,359 2,234 6% Fee-Based 1,429 1,322 8% Commercial 1,675 1,381 21% Transaction & Others 352 398 (12%) Non-Interest Expenses 2,149 2,008 7% Pre-Tax/ Pre-Provisions 1,885 1,607 17% Net Interest Income Non-Interest Expenses 594 446 33% 1,391 1,293 8% PCL 97 40 143% Pre-Tax/Pre-Provisions 984 873 13% PCL 3 1 Net Income 1,314 1,151 14% Net Income 721 641 12% (1) Efficiency Ratio") (%) Financial Markets 53.3% 55.5% Efficiency Ratio (1) (%) 58.6% USSF&I ABA Bank and Credigy - 59.7% ($MM, TEB) ($MM) FY 22 FY 21 YOY FY 22 FY 21 YOY Revenues 2,468 2,218 11% ABA Bank Global Markets 1,502 1,170 28% Revenues 669 510 31% C&IB 966 1,048 (8%) Non-Interest Expenses 212 173 23% Pre-Tax/Pre-Provisions 457 337 36% Non-Interest Expenses 1,022 906 13% PCL 31 26 19% Pre-Tax/Pre-Provisions 1,446 1,312 10% Net Income 340 251 35% PCL (23) (24) Credigy Net Income 1,080 983 10% Revenues 439 486 (10%) Non-Interest Expenses 131 139 (6%) Efficiency Ratio (1) (%) 41.4% 40.8% Pre-Tax / Pre-Provisions 308 347 (11%) PCL 35 (41) Net Income 216 302 (28%) 21 (1) Represents a supplementary financial measure. See slide 2.

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