Grow & Scale - Improving Sales Effectiveness

Canadian Banking Today | Clear gaps, with a big opportunity to grow primacy, accelerate digital, and improve sales productivity MARKET SHARE RANKING OUR STARTING POINT IN F23 Retail Business 5th 4th 3rd 2nd 1st Mortgages 1,2 ด 28% Retail client primacy 10 ~30% vs. 40%+ global best-in class 11 Financial advisors to total retail staff 10,12 Auto Finance³ Retail Deposits 1,2 Credit Cards 1,2 Branch Distribution of Mutual funds4 Insurance5 Personal Loans 1,2,6 SME7,8 Commercial7,9 169 ด ด ด טט 5 ด Opportunity to accelerate high RoE businesses with a focus on value Note: For footnoted information refer to slides 39 to 43 Core digital 23% sales units 10,13 ~30 vs. ~28% Canadian avg. and 60%+ global digital leaders 25% Communications personalized 10 vs. 70%+ global digital leaders Contact centre service FTE per 100k clients 10 vs. ~10 global digital leaders Branch FTE per ~120 100k clients 10 vs. ~120 Canadian avg. and 12% Share of non-deposit revenue14 at Tangerine ~20% ~60 global digital leaders Agile adoption 10,15 vs. 100% global digital leaders 6

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