Investor Presentaiton

Strong Deposit Growth REPORTED AVERAGE DEPOSITS BY SEGMENT in $Bn CB IB GBM GWM 679 685 666 624 591 538 328 337 344 308 294 261 Q3/23 REPORTED AVERAGE DEPOSIT MIX Notice²- Business 7% Term³- Business 22% Demand- Personal $685 Bn 119 126 129 107 104 111 Demand- Business 30% 156 170 185 182 179 134 32 37 39 34 34 33 2020 2021 2022 Q1/23 Q2/23 Q3/23 REPORTED AVERAGE DEPOSITS BY BUSINESS LINE - Term Personal 17% in $Bn 2% 2 Notice - Personal 22% CANADIAN BANKING INTERNATIONAL BANKING4 Y/Y Y/Y +11% GLOBAL BANKING AND MARKETS1 Y/Y +5% GLOBAL WEALTH MANAGEMENT +18% 311 337 344 126 129 109 118 122 115 85 87 72 170 182 179 196 219 222 37 41 42 Q3/22 Q2/23 Q3/23 Q3/22 Q2/23 Q3/23 Y/Y -17% 40 34 33 16 16 21 18 17 Q3/22 Q2/23 Q3/23 Q3/22 Q2/23 Personal Q3/23 Non-Personal 19 119 IB (Constant Dollar Basis): +8% Y/Y 1 Deposits demand include all deposits for which we do not have the right to notice of withdrawal, generally chequing accounts 2 Deposits payable after notice include all deposits for which we require notice of withdrawal, generally savings accounts 3 All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments 4 Includes deposits from banks 55

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