Investor Presentaiton

Financial Review | Net Interest Income Net Interest Income and Margin ($MM, %) Key Assets ($B) Q3/22 Y/Y Q/Q Liquid assets (1) $ 11.9 +13% +6% 1.86% 1.83% 1.88% 1.87% 1.83% Personal loans $ 3.4 -10% -2% Residential mortgage loans $ 15.8 +1% +1% $174.7 $173.1 $180.9 $180.1 $188.5 Commercial loans (2) $ 17.3 +29% +4% Key Liabilities ($B) Q3/22 Y/Y Q/Q Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Net interest income (NII) Net interest margin (NIM) (1) Deposits Personal $ 21.3 +17% +8% - Deposits Business, banks and other $ 5.3 +8% -3% Loan Portfolio Mix Total Deposits $26.7 +15% +6% Debt related to securitization $ 11.6 +8% -2% 48% 44% 43% Y/Y Highlights 41% 46% 11% Q3/21 10% Q2/22 ■Personal loans ■Commercial loans • 47% • 10% Q3/22 ■Residential mortgage loans NII increased mainly due to higher interest income from commercial loans, partly offset by higher funding costs and lower mortgage pre-payment penalties NIM declined by 3 bps Q/Q Highlights NII increased mainly due to the positive impact of three additional days in the third quarter and higher interest income from commercial loans, partly offset by higher funding costs and liquidity levels NIM declined by 4 bps (1) This is a supplementary financial measure. For more information, refer to the Non-GAAP Financial and Other Measures section beginning on page 5 of the Third Quarter 2022 Report to Shareholders, including the MD&A as at and for the period ended July 31, 2022, which pages are incorporated by reference herein. (2) Including customers' liabilities under acceptances. Seeing beyond numbers." Voir au-delà des chiffres." 14

View entire presentation