Fiscal 2023 Financial Performance

Q4 2023 Financial Performance $MM, except EPS Reported Q4/23 Y/Y Q/Q Net Income $1,385 (34%) (37%) Pre-Tax, Pre-Provision Profit¹ $2,779 (10%) (21%) Diluted EPS $1.02 (37%) (41%) Revenue $8,308 9% 3% • Expenses $5,529 22% 21% Productivity Ratio² 66.5% 710 bps 1,010 bps Net Interest Margin³ 2.16% (2 bps) 6 bps PCL Ratio² 65 bps 37 bps 23 bps PCL Ratio on Impaired Loans² 42 bps 16 bps 4 bps Return on Equity² 7.2% (470 bps) (490 bps) • Return on Tangible Common Equity³ 9.0% (600 bps) (610 bps) Adjusted³ Net Income $1,674 (36%) (25%) • Pre-Tax, Pre-Provision Profit¹ $3,218 (13%) (9%) Diluted EPS $1.26 (39%) (27%) Revenue Expenses $7,941 (1%) (2%) $4,723 10% 4% • Productivity Ratio 59.5% 580 bps 340 bps Return on Equity 8.9% Return on Tangible Common Equity 11.0% (610 bps) (330 bps) (780 bps) (410 bps) REPORTED NET INCOME Y/Y ($MM) Y/Y HIGHLIGHTS Adjusted diluted EPS down 39% (reported down 37%) o Higher PCLS and expenses as well as lower non-interest revenue, offset by lower taxes Adjusted revenues down 1% (reported up 9%) o Net interest income up 1% o Adjusted non-interest income down 3%; lower trading revenues and investment gains Reported up 21%; includes the impact of divestitures Adjusted expenses up 10% o Reported up 22%; impacted by the Q4 items of note³ NIM down 2 bps (up 6 bps Q/Q) PCL ratio of 65 bps o Performing PCL ratio of 23 bps Loans up 2% (down 1% Q/Q) Deposits up 8% (up 2% Q/Q)5 LDR6 of 110%, down 6% REPORTED NET INCOME 4 BY SEGMENT ($ MM) 632 (31%) ■Q4/22 Q4/23 2,093 50 337 (1,000) 1,385 (14%) (13%) 1,170 (9%) (727) 810 643 361 327 484 414 562 Q4/22 Net Interest Income Non-Interest Income Non-Interest Expenses PCLS Taxes Q4/23 1 See non-GAAP reconciliations beginning on slide 43 Canadian Banking Global Wealth Management Global Banking and International Banking Markets 2 Refer to page 136 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 3 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 4 Attributable to equity holders of the Bank 5 Excludes Other segment 6 This metric is calculated as Total Average Net Loans and Acceptances to Customers/Total Deposits of Canadian Banking, International Banking (Reported FX), Global Wealth Management, and Global Banking and Markets 6

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