Choice Through Innovation

Momentum in Profitability and Long-Term Earnings Capacity $ CAD (millions) 180 160 $4.20B 5 4 140 $3.27B 4 120 $109M $2.42B 100 $82M $1.94B 80 $1.81B $1.79B $65M 60 $52M $54M $54M $49M $50M 33 2 2 $35M 40 $26M $26M $28M 1 $42M 20 1 $28M $18M $20M $19M $22M 0 2018 2019 2020 2021 2022 2023 Total Assets Revenue Non-Interest Expense Net Income Expect continued steady growth in Canada with significant potential upside from entry into the U.S. market $ CAD (billions) 9

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