Investor Presentaiton

MAINTAINING STRONG NII AND NIM(1) NII and NIM, non-trading - Adjusted(2)(3) ($MM) 2.19% 2.09% 2.18% 2.14% 2.21% 1,437 1,373 1,388 1,372 1,280 Q3 23 (4) Q4 23 ■NIM - non-trading Q1 24 Q1 23 Q2 23 ■NII - non-trading NIM, non-trading - Adjusted(3) (NIM on Average Interest-Bearing Assets) 0.02% 0.03% 0.01% 0.00% 0.01% 2.21% 2.14% Q4 23 P&C WM FM USSF&I Other Q1 24 Adjusted non-trading NII (2) up 4.7% QoQ ■ P&C: up $13M QoQ on balance sheet growth ■ WM: up $10M QoQ from strong deposit base ■ FM (non-trading): up $20M QoQ on balance sheet growth and higher margin ■ USSF&I: up $10M QoQ Credigy: down $9M QoQ, as Q4 2023 benefitted from pre-payment revenue and favourable impact of over performance on fair value portfolios totaling $14MM ABA: up $6M QoQ on balance sheet growth; improving deposit mix with strong growth in demand deposits Other Intl: up $13M QoQ, mainly from annual dividends ■ Other segment: up $12M QoQ, mainly from asset and liability management activities Adjusted non-trading NIM(3) up 7 bps QoQ to 2.21% ■ Stable P&C NIM, reflecting higher asset and deposit spreads, mainly offset by balance sheet mix (1) Non-trading - Adjusted. Represents a non-GAAP financial measure and ratio. See slide 2. (2) Adjusted non-trading NII represents a non-GAAP financial measure. See slide 2. (3) Adjusted NIM, non-trading represents a non-GAAP ratio. See slide 2. (4) Reclassifications of Non-interest income to NII in Q3 2023 (no impact to total revenues); non-trading NII and non-trading NIM in prior quarters may not be presented on a comparable basis. 8

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