Fiscal 2023 Financial Performance

Commercial Real Estate Portfolio comprised of Commercial Real Estate, and Contractor loans which include Engineering & Project Management and Trade Contractors LOANS OUTSTANDING 1 ■Q4/22 Q3/23 Q4/23 23.1 26.6 27.1 Total Portfolio: $67.4Bn Y/Y: +11% Q/Q: +2% 14.7 14.7 15.4 11.2 12.7 12.2 4.5 4.4 4.6 2.8 3.2 3.3 4.6 4.7 4.8 Residential/Multi Family Industrial REITS² Office Retail Other³ • • HIGHLIGHTS Limited Q/Q portfolio growth primarily from Residential and Industrial subsectors with relatively stable fundamentals, representing 73% of the portfolio Geographically diversified across Canada, PAC, US and other regions, with US exposure largely to investment grade corporate borrowers Total exposure to Office subsector was $6.2Bn or 9% of portfolio (decreased from $6.7Bn or 10% last quarter), of which ~60% was investment grade facilities primarily to large, diversified firms BY GEOGRAPHY BY SEGMENT APAC Other 5% 3% US 12% Retail 5% Other³ 7% Office 7% Q4/23 (in $Bn) Canada Office (including REITS) $3.8 61% Residential APAC 0.9 15% PAC 13% Q4/23 $67.4Bn Canada 67% REITS² 18% Q4/23 $67.4Bn /Multi Family PAC 0.8 13% 40% US 0.4 6% Other 0.3 5% Total $6.2 100% Industrial 23% 1 May not add due to rounding 2 REITs include REITS-Industrial (7%), REITS-Retail (3%), REITS-Office (3%), REITS-Residential (3%) and REITs-Diversified (3%) 3 Other includes Engineering & Project Management and Trade Contractors 33

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