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Investor Presentaiton

Prudent Allowances TOTAL ACLs1 ($MM) AND ACL RATIO² 109 bps 96 bps 86 bps 80 bps 75 bps 72 bps 71 bps 72 bps 6,893 23 6,232 22 5,731 1,691 5,583 23 20 5,375 5,295 5,499 1,529 20 28 28 1,368 1,326 1,255 1,276 1,368 5,668 1,409 31 2,056 2,009 1,863 1,723 1,595 1,532 1,528 1,547 3,123 2,672 2,477 2,514 2,505 2,459 2,575 2,681 Q2/21 Q3/21 International Retail Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 3 Canadian Retail Business Banking GWM/Other TOTAL PCLs ($MM) AND PCL RATIO4 33 bps 28 bps 22 bps 33 bps 24 bps 10 bps 13 bps 13 bps 638 1 529 11 15 496 145 380 412 9 218 69 163 396 339 168 1 314 222 219 1 93 274 (35) 276 325 355 404 (43) (27) `(2) (1) ( (16) (15) (1) Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 ■Canadian Banking ■Global Banking and Markets ■GWM/Other о HIGHLIGHTS Allowances increased to $5.7 billion Prudent performing allowance of $4.0 billion to account for growth and uncertainty in economic outlook Total ACL ratio up 1 bp Q/Q to 72 bps Secured Retail portfolio (Canada - 95%; International - 73%) Quality of the business banking portfolio remained strong and continued to focus on investment grade clients Total PCL ratio of 33 bps, up 5 bps Q/Q Higher performing PCLs driven by less favourable macroeconomic forecast and strong portfolio growth Impaired PCLs driven by higher formations in Canadian and International Retail ■International Banking 1 Includes ACLs on off-balance sheet exposures and ACLs on acceptances and other financial assets 2 ACL ratio defined as period end total ACLs (excluding debt securities and deposits with financial institutions) divided by gross loans and acceptances 3 Includes Allowance for credit losses in Other of $6 million (Q4/22: $4 million) 4 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 5 Includes provisions for credit losses in Global Wealth Management of $1 million (Q2/21: -$2 million, Q3/21: -$1 million, Q4/21: $1 million, Q1/22: -$1 million, Q2/22: $1 million, Q3/22: $5 million, Q4/22: $1 million) 15
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