Embracing Fintech

Canadian Residential Mortgages High quality stable portfolio. Credit trends performing strongly 72% Uninsured Total Portfolio 1,2 $301Bn 28% Insured Total Portfolio 1,2 $301Bn 63% Fixed 37% Variable FICO® Distribution - Canadian Uninsured Portfolio4 1% 4% 8% 87% <620 620-680 681-720 >720 Canadian Mortgage Portfolio Mortgage Variable Portfolio Mortgages Total Outstanding Balance $301Bn $110Bn Uninsured Outstanding Balance $218Bn $96Bn Average LTV³ 46% 52% % of mortgages maturing in the next 12 months 8% 1% Total and variable mortgage portfolio have an average FICO score of approximately 800 Canadian Uninsured Mortgage Portfolio Average FICO® Score % of Portfolio Uninsured Canada 800 72% GTA 803 83% GVA 805 84% 1Includes Wealth Management 2 Spot Balances at Q3/22 3 Weighted by mortgage balances and adjusted for property values based on the Teranet - National Bank National Composite House Price Index 4 FICO is a registered trademark of Fair Isaac Corporation 24 24

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