Financial Markets Summary Q4 2022

Q4 2022 - STRONG BUSINESS PERFORMANCE Revenues ($MM; YoY) ■ Reported: $2,334 ; +6% Strong performance across our business segments - Adjusted PTPP up 9% YoY(2) Adjusted (1): $2,429; +8% Positive operating leverage PTPP (2) ($MM; YoY) Reported: $988; +5% Adjusted (1): $1,083; +9% PCL ($MM) ■ Defensive credit positioning with prudent reserve levels ■ Robust CET1 ratio of 12.7% (4) while generating strong organic growth Reported: Adjusted: $87 $87 Diluted EPS Reported: Adjusted: $2.08 $2.08 ROE (3) Reported: Adjusted (5): 15.3% 15.3% ■ Quarterly dividend increased by ~5% to $0.97 per share for Q1 2023 ■ Renewal of NCIB program to provide flexibility (1) On a taxable equivalent basis, which is a non-GAAP financial measure. See slide 2. (2) Pre-Tax Pre-Provision earnings (PTPP) refers to Income before provisions for credit losses and income taxes. (3) Represents a supplementary financial measure. See slide 2. (4) Common Equity Tier 1 (CET1) capital ratio represents a capital management measure. See slide 2. (5) Expressed as a percentage of net income and excluding specified items when applicable. 5

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