Financial Performance and Digital Progress Update

Reconciliation for non-GAAP Financial Measures Pre-Tax, Pre-Provision Profit ($MM) Reported Basis Adjusted Basis¹ Business Line Pre-tax, pre-provision profit Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 Revenue 7,626 8,090 8,308 7,987 8,090 7,941 All-Bank Expenses 4,529 4,562 5,529 4,287 4,542 4,723 Pre-tax, pre-provision profit 3,097 3,528 2,779 3,700 3,548 3,218 Revenue 3,134 3,216 3,329 3,134 3,216 3,329 Canadian Banking Expenses 1,397 1,448 1,513 1,391 1,447 1,513 Pre-tax, pre-provision profit 1,737 1,768 1,816 1,743 1,769 1,816 Revenue 2,504 2,846 2,799 2,504 2,846 2,799 International Banking Expenses 1,364 1,491 1,522 1,355 1,481 1,512 Pre-tax, pre-provision profit 1,140 1,355 1,277 1,149 1,365 1,287 Revenue 1,289 1,336 1,332 1,289 1,336 1,332 Global Wealth Management Expenses 798 843 887 789 834 878 Pre-tax, pre-provision profit 491 493 445 500 502 454 Revenue 1,354 1,343 1,354 Global Banking and Markets Expenses 696 758 779 Pre-tax, pre-provision profit 658 585 575 Revenue 1,742 2,017 1,937 Pacific Alliance Expenses 835 936 944 Pre-tax, pre-provision profit 907 1,081 993 Caribbean and Revenue 546 601 614 Expenses 336 339 344 Central America Pre-tax, pre-provision profit 210 262 270 Reported Basis Adjusted Basis¹ Pre-tax, pre-provision profit Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 2,718 2,851 2,799 2,718 2,851 2,799 1,472 1,487 1,522 1,462 1,477 1,512 1,246 1,364 1,277 1,256 1,374 1,287 1,930 1,985 1,937 929 927 944 1,001 1,058 993 ($MM) Business Line International Banking (Constant FX) Revenue Expenses Pre-tax, pre-provision profit Pacific Alliance Revenue (Constant FX) Expenses Pre-tax, pre-provision profit Caribbean and Central America (Constant FX) Revenue 544 611 614 Expenses Pre-tax, pre-provision profit 344 344 344 200 267 270 (SMM) Business Line All-Bank Revenue Expenses Pre-tax, pre-provision profit Reported Basis Adjusted Basis¹ Pre-tax, pre-provision profit FY23 FY22 FY23 FY22 32,307 31,416 31,940 31,777 19,131 17,102 18,263 16,787 13,176 14,314 13,677 14,990 1 Refer to non-GAAP measures on page 20 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca 45 45

View entire presentation