Investor Presentaiton

Wholesale Funding WHOLESALE FUNDING MIX 1,6,7 TERM FUNDING MATURITY TABLE Excludes Sub Debt And Mortgage Securitization (Canadian Dollar Equivalent, $Bn) Bearer Deposit Notes, Commercial Paper & Short-Term Certificate of Deposits 27% Asset-Backed Securities 1% Deposits from Banks 2% Asset-Backed Commercial Paper 4% $304Bn Subordinated Debt 4% Mortgage Securitization 7% Senior Notes 14% Bail-Inable Notes 25% Covered Bonds 17% 60 $33 $33 $307 $26 11 4 1 24 21 12 $20 11 22 22 $12 17 6 10 1 10 5 227 27 1 < 1 Year 2 Years 3 Years 4 Years 5 Years >5 Years Senior Debt8 ABS Covered Bonds 1 Excludes repo transactions and bankers' acceptances, which are disclosed in the contractual maturities table in the MD&A of the Interim Consolidated Financial Statements. Amounts are based on remaining term to maturity; 2 Only includes commercial bank deposits raised by Group Treasury; 3 Excludes asset-backed commercial paper (ABCP) issued by certain ABCP conduits that are not consolidated for financial reporting purposes; 4 Represents residential mortgages funded through Canadian Federal Government agency sponsored programs. Funding accessed through such programs does not impact the funding capacity of the Bank in its own name; 5 Although subordinated debentures are a component of regulatory capital, they are included in this table in accordance with EDTF recommended disclosures; 6 As per Wholesale Funding Sources Table in MD&A, Q3/23 Report to Shareholders; 7 May not add due to rounding; 8 Excludes senior notes with an original term of 400 days or less 54

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