Investor Presentaiton

Strong Capital Position CETI ratio of 12.3%¹ +32 bps -18 bps 2 -3 bps -3 bps 12.3% 12.2% Q3 2021 Reported Earnings less dividends RWA Growth (ex. FX) ECL Transitional Capital Relief Other (net) Q4 2021 Reported Internal capital generation CET1 ratio¹ up 50 bps Y/Y and 10 bps Q/Q Strong internal capital generation of 14 bps RWA growth primarily from retail mortgages and business lending 1 This measure has been disclosed in this document in accordance with OSFI Guideline - Capital Adequacy Requirements (November 2018) 2 Includes 6 bps benefit from OSFI's partial inclusion of stage 1 and 2 allowances 7

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